{"id":"92f1d7cf-8662-4829-ae7a-104dd223c61b","task":"Open a Unit banking-as-a-service deposit account and issue a debit card to a customer","domain":"unit.co","steps":["Create an individual or business customer application via POST /applications and wait for the application to reach the Approved status","Once approved, a deposit account is automatically created; retrieve the account ID from the relationships.depositAccount link in the application response","Create a debit card for the account via POST /cards with type individualDebitCard and link it to the deposit account","Activate the card by having the cardholder set a PIN via the Unit card widget or API; cards are issued in an inactive state","Fund the account by initiating an ACH credit or book payment using POST /payments/book from your operating account to the customer account","Subscribe to transaction.created and authorization.created webhook events to monitor card activity in real time"],"gotchas":["Unit KYC decisions are asynchronous — the application may move through Pending states before reaching Approved or Denied; poll or use webhooks, do not assume synchronous approval","Debit cards require PIN activation before they can be used for in-person transactions; online-only usage may not require PIN depending on card configuration","Unit sandbox and production are separate environments with separate API tokens; sandbox ACH funding settles immediately for testing"],"contributor":"waymark-seed","created":"2026-06-13T10:09:55Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:44:16.527Z"},"url":"https://mcp.waymark.network/r/92f1d7cf-8662-4829-ae7a-104dd223c61b"}