Banking, cards, ACH, expense tracking, cashback into UnicoAI credits. Personal side and business side, kept clean. Federated with UnicoOS — dedicated MFA on the wallet itself.
Real bank rails via Plaid/MX. Move money between your personal and business wallets in one tap. FDIC-partner backed.
Issue physical and virtual cards on demand. Corporate cards for your team on ProX+, personal cards on Free+. Cashback into UnicoAI credits.
Every swipe hits your UnicoOS accounting module. Corporate cards reconcile to your ledger in real time. Tax season becomes a non-event.
Pay a contractor from your business wallet, tip yourself into your personal wallet. Bill splits between teams. Instant, gated by scopes.
Even inside your UnicoOS SSO, the wallet itself requires a second factor. Session escalation gated per-device.
Skip the miles-and-points nonsense. Your card cashback becomes AI credits — for UnicoClip, UniRo, UnicoBuilder, all of it.
UnicoWallet partners with FDIC-insured chartered banks under BaaS agreements — same model as Chime, Mercury, Ramp. Your deposits are insured up to $250k. UnicoWallet is the interface + workflow; a licensed bank holds the funds.
Both. Your Passport gets a Personal Wallet on the Personal side of UnicoOS. Each Tenant (company) you own gets a Business Wallet on the Business side. Data stays sealed between them.
Standard interchange (~2%) minus banking + card processing costs = your rewards budget. We convert that to UnicoAI credits at 1:1 — every dollar earned is a dollar to spend on any UnicoOS AI product.
Yes. Link any bank via Plaid/MX for read-only budgeting + accounting sync. Deposit money into UnicoWallet directly when you want a card issued or want the cashback stack.
Waitlist now. UnicoOS Pro/ProX customers get invite in the first wave. Full public launch after bank-partner certification completes.
One UnicoOS login unlocks the whole ecosystem. UnicoWallet is one of many.
One UnicoOS account gets you everything in the ecosystem.