One API call checks state unclaimed-property records against every address your user has lived at, then keeps checking. Your app delivers the good news, and the reason to come back.
Fintech apps send a lot of messages about bills, balances and fees. "You have money waiting" is a different kind of moment, and it repeats.
Every state refresh is another chance to tell users something new. Monitored users have one more thing to lose by leaving.
Found-money alerts get read. Claim steps bring users back to check progress, and dormant accounts get a reason to log in.
"See if you have unclaimed money" is a sign-up offer with real value and no discount. People tell friends when an app finds them money.
No finder fees, no cut, no upsell. Returning someone's own money is something they remember your brand for.
Name, date of birth and current address, after your user consents. No SSN, no account numbers.
We rebuild the address history, check each state's records and score every candidate.
Amount, holder, type and the exact claim steps for that state, with a direct link.
Year one, at Growth pricing: $0.40 per first scan plus $0.10 per monitored user per month.
Illustrative assumptions, not results. For enterprise customers we build this model on your own retention, engagement and acquisition data.
Past addresses with date ranges, so we match both the state and the years a record was reported.
High-confidence matches are ready to show. Medium ones come back as "Is this you?" for users to confirm.
We re-check monitored users when states publish new records and send a webhook for anything new.
Online thresholds, documents, notary rules and deep links to each state's official claim page.
Several matches in one state come back as one summary, ready for a single notification.
Records from state unclaimed-property programs, refreshed on each state's own schedule.
Class-action settlements pay people who bought from a company during a set period, and most never claim. If you hold card transactions, we check them against open settlements and tell you which users likely qualify, for roughly how much, and by when.
One REST endpoint, one webhook and copy you can show as-is. Build against the sandbox, then switch keys.
# 1. Scan a consenting user curl https://api.unspent.dev/v1/scans \ -H "Authorization: Bearer $UNSPENT_KEY" \ -d name="Dana Whitfield" \ -d dob=1984-03-12 \ -d address="2201 Elm Crest Dr, Austin TX" \ -d monitor=true # 2. Receive new matches { "event": "match.created", "user_ref": "usr_8812", "state": "CA", "amount": 214.60, "alert_text": "You may have $214.60 from Pacific Coast Utilities." }
If your app has a chat assistant, it can answer "Do I have money owed to me?" by calling our tools directly, with the user's consent.
Docs, sandbox and test identities available inside your engineers' coding tools, so integration takes hours.
Agents look up a user's match and claim status from the tools they already work in, with no new dashboard.
We designed the product around how unclaimed property actually works in each state.
Built by a team from finance and technology.