Bank App

Learn how you can power your banking application using Argyle.


This guide provides a high-level overview of the different features and financial services provided by Bank App:

  • Connecting payroll accounts
  • Tracking income
  • Linked checking and savings accounts
  • Switching direct deposit to Bank App cards
  • Providing Earned Wage Access
  • Additional credit products
  • Job recommendations

For a deeper technical dive into this open-source reference application, refer to the Bank App GitHub repository.


Bank App combines the power of Argyle's user-permissioned payroll connectivity, Unit's powerful banking services, and Stytch's passwordless authentication platform. These components create a cohesive set of financial services, all built around income and employment data to enhance the way people manage their finances.


Argyle powers data connectivity features within the Bank App workflow:

  1. KYC information about a potential user is retrieved to pre-fill profile and contact details, and open a personal bank account via Unit.
  2. Income and employment information is retrieved to provide a user with insights into their income data, and enable underwriting decisions about giving out credit and early pay.
  3. A deposit switch is made, directing the user's income to their Bank App account.
  4. Paycheck-linked repayment of personal loans can now be made.


Unit provides a banking-as-a-service API that streamlines all financial operations within the Bank App workflow. Opening bank accounts, switching direct deposits, adding payout cards, and performing transactions are all powered by Unit's API.


Stytch provides a seamless way to log in to the Bank App application. Users receive a login link to their verified email or a one-time code to their verified phone number, allowing them to log in to Bank App without entering their credentials.

Bank App serves as a demo application that you can build upon to fit your own business goals, design preferences, and feature requirements. Argyle's data connectivity features can power your integration, while you can leverage the financial capabilities of your preferred banking-as-a-service provider to implement your desired solution.

Using the Bank App sample application#

Click here to open the Bank App application in your browser.

Bank App utilizes Argyle's Sandbox Environment to provide real-time income data and direct deposit switching capability. Select "Test Credentials" in the application's Login screen to connect a sample user.

Connecting payroll accounts#

Through Bank App, users connect their income data via their employer or payroll provider. Bank App gathers KYC details during account connection using Argyle's /identities endpoint.

This solution provides users with a streamlined onboarding process by populating each of the fields they need to fill out and opening an account with their employment and income data. Stytch's OTP service allows for a quick and seamless login experience.

From the Home screen, you can dive into the individual features that Argyle data powers. Use the Profile menu in the top right corner to check the personal, contact, and deposit information retrieved via Argyle's API.

"Delete my data" removes the connected account details and restarts Bank App.

The account connection workflow demonstrates an example integration between Link and a banking application. Link is a front-end UI element that allows users to grant your application access to their payroll accounts. In your integration, you can customize buttons and placeholder text in Link to suit your business needs and provide a seamless transition for users moving between your website or application and Argyle.

Tracking income#

On the Income screen, Bank App provides historical income patterns based on data imported from Argyle's /identities endpoint, allowing users to track their income over time and across multiple income sources.

Linked checking and savings accounts#

The Accounts screen uses Unit's Deposit Accounts endpoint, providing users with a single account view of their checking and savings account balances, listing their income and expenses, and displaying the standard transactions available in a banking application. When a user adds a new account, Bank App utilizes Argyle's /deposit-destinations endpoint.

Deposit switches to Bank App cards#

The Card screen demonstrates a scenario where users are issued physical or virtual Bank App debit cards, granting instant access to their funds through Unit's Cards endpoint.

Creating a card and switching their direct deposit does not require re-authentication from your users, as Argyle enables continuous access through user tokens.

Providing earned wage access#

The Early pay screen guides users through an example application for low-cost pay advances. Users connect their payroll accounts and direct their income to Bank App, allowing Earned Wage Access based on live, shift-level earnings data. This solution is powered by Unit's Book payments endpoint, Argyle's /gigs endpoint, and deposit destinations webhooks.

Bank App's Earned Wage Access solution uses historical income data to calculate pay advances for users. You can tailor this solution by building upon different data sources and underwriting aspects that fit your business needs, enabling you to present your credit line accordingly.

Additional credit products#

The Credit screen demonstrates a typical loan offer and allows your users to apply to your credit products directly. Argyle's continuous data access enables you to underwrite users without requiring them to re-authenticate. This screen displays sample transactions and payment history for a loan, providing a realistic example of a financial service present in a modern banking application.

Job recommendation engine#

The Work screen provides an example service where you can recommend job opportunities and other income sources to your users based on their historical and projected income patterns. This screen displays sample open positions where you can prompt your users to upload their resumes and submit their applications directly.

In the Bank App demo application, each job recommendation redirects to Appcast's homepage. You can provide a seamless experience by integrating a service provider that suits your business needs and user demographics.

Next steps#

Bank App brings together features from Argyle, Unit, and Stytch to create a powerful neo-banking solution. Each individual feature provides value in its own right, while feeding into the application as a whole to create a positive feedback loop. This drives incremental user engagement and creates an opportunity for monetization.

Click here to open Bank App to test its capabilities in your browser, or visit the Bank App Github repository to clone and test the application in your local development environment.

For more details, reach out to your respective Customer Success Manager, Account Executive, or the Support team.

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