UBL is Africa's first bank-agnostic trust infrastructure layer — giving every person a verifiable Trust Score, a micro-savings vault, and a direct path to formal credit. No collateral. No credit history. No branch required.
65%
of Ghanaians unbanked
$12B
lost annually in Africa
30s
to approve a micro-loan
Member Trust Score
847 / 1000
✓ Eligible for GHS 5,000 micro-loan
Approved in 30 seconds · No collateral required
UBL is not a bank. It is the trust infrastructure that sits between people and banks.
Converts community vouching, mobile behaviour, and peer repayments into a portable, bankable Trust Score.
Learn more →Every repayment and saving becomes a tamper-proof blockchain record — real history from real behaviour.
Learn more →One REST API. Any bank integrates in days. Query Trust Scores, retrieve KYC, originate loans.
Integration guide →Built for compliance with
Bank of Ghana
Regulatory Sandbox
FATF / AML
Compliance Ready
Basel III
Risk Framework
Hyperledger Fabric
Blockchain Infrastructure
Ghana Data Protection
Act 2012 Compliant
65% of Ghana's working population is untapped revenue. UBL gives your bank the infrastructure to serve them profitably from Day 1.