A Home section your customers open every day
Short answer
Unitify for banks is an embedded home section for banking apps. Building managers already run their HOAs, condominiums and owners' associations in Unitify, so their news, requests and votes reach residents inside the bank's app. Residents pay through the bank's acquiring into the building's account. The bank chooses the format: a module in its own app, an API, or its products inside the manager's workspace.
Most banking apps can pay a utility bill once a month. Unitify brings the rest of home life into your app: building news, requests, owner votes, guest access and the building's money, with payments running on your own rails.
Why does a bank's Home section stay empty?
A bank sees the payment. It does not see the building. The water shutdown notice, the plumber's visit, the owners' vote and the report on where the money went all come from the building's manager, and they live in chats, calls and paper. A bank cannot draw those moments itself. Unitify is the system where the manager creates them, so they can appear in your app.
What does a bank get from Unitify?
Eight things in the bank's own product line. Each comes with what we would measure in a pilot. None of them is a promised result.
- 1
Daily reasons to open your app
News with push, request status, votes, guest passes, bookings, meter readings and the building's report. The building's manager creates them, so your team does not.
- 2
Building accounts at your bank
In Kazakhstan, Uzbekistan and Armenia the law ties a building to its own bank account. The manager who runs the building in Unitify is the person who takes that account to a bank.
- 3
Long-term balances
Capital-repair and reserve money sits in a bank for years. Residents see the balance and owners vote on spending it in the app, so the money stays visible and the account stays put.
- 4
Utility payments on your acquiring
The resident sees the bill for their own apartment and pays by card. The payment runs through your acquiring and lands on the account of the building or its manager at your bank.
- 5
Services residents order at home
Repairs and services are ordered and paid in the app. It is also a place where your own products can sit, such as insurance or instalments.
- 6
An AI concierge in your chat
It answers residents day and night about their building, bills and requests, and takes requests and meter readings. A person approves actions; every answer is logged.
- 7
Smart building in the same section
Intercom, cameras, barriers, couriers' QR access and EV chargers, where the building's hardware has an API or SIP. It is planned with the developer at the design stage, which fits project finance.
- 8
Building data, with consent
A structured record of each building through a public API. Any use by your own products needs the resident's consent and follows local law.
What does a resident see in your app?
One list works in every building on Unitify. The other depends on the building's hardware.
In every building on Unitify
- The manager's news, with push
- Requests and their status
- Chat with the AI concierge
- Meter readings
- Polls and owner votes
- Guest passes
- Booking of common areas
- The building's documents and money report
- Bills and payment
Where the building's hardware allows
- Intercom
- Cameras
- Barrier
- One-time QR access for couriers and guests
- Smart meters
- EV charging
How can a bank offer Unitify to its customers?
Three formats, all ready. You choose the format. The timeline follows it and your own security review: name the format, and we give you a date.
- 1
A module inside your app
The resident side of Unitify runs inside your banking app as a mini-app, a deep link or a set of screens. Residents sign in with your bank ID, and the manager keeps working in Unitify. If your app already holds many residents, this is the strong option: they are already there.
- 2
Your own interface on our API
Your team builds the screens on our public GraphQL API and webhooks, with OpenID Connect sign-in. Your design, your release cycle.
- 3
Your products inside the manager's workspace
Accounts, deposits and savings, acquiring, payments and lending are built into the web workspace where the management company works. Everyone there sees them, not only the accountant.
How this works
How do a bank's products work inside a management company's workspace?
A bank's products for a management company usually sit in a separate internet bank, and one person opens it: the accountant. In Unitify the management company works in a web workspace all day. The director, the building managers, the dispatcher and the accountant are all in it. We build your products into that workspace, so they sit inside the work and everyone who works there sees them. Fintech built into the business processes.
Accounts
The building's current and savings accounts, with balances and movements, next to the building they belong to. Statements load into Unitify as bank transactions: today from a file in the 1C client-bank format, other formats on request in one to two days, and an automatic feed from your bank's API set up per project.
Deposits and savings
Reserve and capital-repair balances are shown where the board and the manager plan spending, and your savings offer can stand next to them.
Acquiring and payments
Your payment products sit next to the bill or the supplier invoice they are for.
Lending
A loan offer for a repair or for equipment appears at the moment the board plans the work and the manager sees the cost.
The workspace is ready today; each of your products is connected to it one at a time, together with your team. Unitify does not hold the money and does not replace your identification and checks. A request to open a building's account goes to your bank, and your bank does its own checks.
Does Unitify also do billing, reporting and reports to residents?
Yes, and it is wider than billing. The money of a building is shown in three places, from the same data.
- 1
Billing
Charges, invoices, payments and arrears for each building, with the resident's bill in the app. Where a building already has a billing system, Unitify reads the bills from it.
Billing in Unitify - 2
Management reporting
Income and spending for each building and for the management company as a whole: what was collected, what was spent, what is owed and what sits on the accounts.
- 3
Reports to residents
A monthly report in the resident's app and on the building's page: where the money went. A sample for a typical building is on the residents' page.
See a sample monthly report
How does Unitify connect to a bank?
Sign-in
Through your bank ID, over OpenID Connect. The resident adds their apartment once.
Payments
Through your acquiring, into the account of the building or its manager. Unitify does not hold residents' money and is not a payment institution. Your bank signs the acquiring contract with the manager or the building.
Bills
If a building already keeps its charges in another system, Unitify reads the bills from it and shows them in the app. The building keeps its accounting.
Data
Kazakhstan and Uzbekistan run on local servers in the country, the EU on servers in Düsseldorf, Germany, and other markets are agreed per deployment. On request the data can be stored in your country or on your own servers, priced per project.
Security and dataBuildings
We connect the buildings, train managers and board chairs, and support residents. A building goes live in one to two days once we have its list of apartments, and residents install the app from a QR code.
Payment rails
Unitify has card acquiring adapters for several banks and payment providers in the Caucasus, Central Asia and Europe. New rails and statement formats are connected on request, most in one to two days.
Payment rails and bank feeds
Where does the law make each building a bank client?
In several countries the law ties a building to a bank account. Whoever runs the building day to day is the person who takes that account to a bank.
Kazakhstan
Kazakh law puts each building on two second-tier-bank accounts: a current account for management money and a ring-fenced savings account for capital repair, opened within fifteen calendar days by the ОСИ chairman or by the management subject, and opened on the condominium object itself. Capital-repair money can be spent only on capital repair, only on an assembly resolution, and cannot be pledged against owners' debts; if the management subject changes, the balance must move to the new subject's savings account within three working days. Buildings of fewer than 36 units under direct joint management may operate without those accounts; above 36 units, engaging a management subject is compulsory.
Uzbekistan
Owners' mandatory payments are accepted only by bank card, electronic payment system, or bank cash desk — no cash channel outside these exists. To keep mandatory payments and common-property income separate, a bank account is opened for each multi-apartment building in the owners' name; buildings already in service are registered and given a taxpayer ID (СТИР) and account on the manager's application by 1 July 2026, new buildings within a month of commissioning on the developer's application.
Armenia
Since April 2020 Armenian law has required the mandatory charges to be paid cashlessly into a bank account opened for that single building in the management body's name — and where a manager runs several buildings, a separate account for each.
Kyrgyzstan
Since the 2023 amendments (Law No. 182) both an owners' association and a managing organization must take mandatory payments and contributions into a bank account and keep income and expenditure cashless. From 1 January 2026 owners have had a statutory right to stop paying an association that does not settle cashlessly, and they resume paying when it does. Neither act requires a separate bank account per building.
Georgia
An amkhanagoba is not a legal person, but it holds separate property, may open bank accounts and take bank credit, and may acquire rights and obligations — including signing contracts with third parties — in its own name, acting through its chairperson.
Country pages
Who is behind Unitify, and what has it run?
Unitify's founder previously ran a residential management company serving 20,000 residents, then built a platform that reached 10,000 management companies and 5M+ apartments, then exited.
At Ande Tower in Batumi (about 500 apartments), collections rose from 40% to 80% of monthly charges over six months, and requests are handled three times faster. At Avant Park in Baku (1,000 apartments), the share of collected monthly payments made through the resident app grew from 19% in June 2026 to 74% in August 2026.
A developer in Nairobi sent spreadsheets with layouts and floor plans, and Unitify's AI built the building in the system, 15 entrances, 138 floors in total and 510 apartments, in seconds.
The founder's previous platform was acquired by a major financial institution. There, building managers' news reached residents inside that bank's app, and the bank's relationship managers offered the platform to their clients.
What does a pilot with a bank look like?
We start on live buildings, without exclusivity. Over a pilot of a few months we report four numbers: residents who added their home in your app, how often they open it, the share of the buildings' payments that went through your bank, and the buildings that opened an account with you. You decide on the next step from your own data.
Related pages
Frequently asked questions
What does a bank get from Unitify?
A Home section with daily reasons to open your app, building accounts and long-term balances at your bank, and the buildings' utility payments on your acquiring. We measure each of these in a pilot on your own data.
Do we have to build or run building management ourselves?
No. Building managers run their buildings in Unitify, and we connect them, train them and support residents. Your team decides the format and passes the security review.
Does the money go through Unitify?
No. Residents pay through your acquiring into the account of the building or its manager. Unitify is software, not a payment institution.
In which formats can a bank offer it?
As a module inside your app, as your own interface on our API, or as your products built into the manager's web workspace. It can also run as a separate app under your brand. White label is a paid option, so the format sets the cost and the timeline.
Does Unitify have its own resident app?
Yes. Unitify has its own resident app, and managers use it today. A bank whose app already holds many residents can embed the same features in that app instead, and for such a bank it is the strong option. Both work.
How do residents sign in?
Through your bank ID, over OpenID Connect. The resident adds their apartment once.
Where is the data stored?
Kazakhstan and Uzbekistan run on local servers in the country, the EU on servers in Düsseldorf, Germany, and other markets are agreed per deployment. Your country or your own servers are available on request. More on the security page.
What if the building already has a billing system?
Unitify reads the bills from it and shows them in the app, and the building keeps its accounting. Where a building has no billing system, Unitify issues the bills.
Is Unitify a payment institution?
No. Unitify is software for running residential buildings. Card payments run through the acquiring of the bank or payment provider, under that provider's contract with the building or its manager. Unitify shows the resident the bill and the payment status, and records the payment against the right apartment.
Which countries does this work in?
Unitify runs buildings in the Caucasus and Central Asia and is open to any market. Payment providers and bank-statement formats are connected per country, most on request in one to two days. The list is on the payment rails page.
How fast can a pilot start?
A building goes live in one to two days once we have its list of apartments. The in-app integration timeline depends on the format you choose and your security review: name the format, and we give you a date.
Is this exclusive?
No. A pilot starts on live buildings without exclusivity.
What does it cost?
Plans for building managers are on the pricing page. White label and integration formats are priced after a short brief.