Three interconnected systems translating real-world human behaviour into a language that banks understand and trust.
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Dial *714*123# on any phone. No smartphone needed.
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3–5 community members verify your identity and character.
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Trust Score grows with every transaction and repayment.
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Partner banks onboard you instantly. No paperwork. No branch.
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Micro-loans approved in 30 seconds. No collateral needed.
Every person has a rich social identity in their community. A market trader in Kumasi is known by 200 people. UBL captures this invisible trust and converts it into a portable, verifiable digital credential.
Vouchers confirm character via USSD or app. Weighted by voucher's own Trust Score.
Mobile money, airtime, trade frequency — analysed in real-time by SHIELD AI.
Your Trust Score belongs to you — not to any one bank. Take it anywhere.
Peer loan repayment
Ama repaid Kwame GHS 500 — on time
Susu group contribution
Weekly GHS 50 savings — 24 consecutive weeks
Mobile money activity
GHS 12,400 total transactions this quarter
Bank loan repayment
GHS 1,000 micro-loan repaid in full — 3 days early
Every financial act becomes a permanent, auditable record on Hyperledger Fabric blockchain — real history from real behaviour, immutable and tamper-proof.
Hyperledger Fabric — enterprise-grade permissioned blockchain. Banks and BoG can audit entries.
Zero-knowledge privacy — members control what banks see. Full consent management.
Offline-capable — USSD fallback works with zero internet connectivity.
A single REST API any bank integrates in days. One connection to Africa's most comprehensive alternative trust layer.
/api/v1/trust/query/api/v1/kyc/package/api/v1/loan/apply/api/v1/aml/screenGhana Card + NIA + GRA integrated. Delivered in milliseconds.
XGBoost + LSTM ensemble trained on African repayment behaviour. ROC-AUC 0.88+.
Real-time view of your UBL-originated loans and portfolio health.
PEP screening, sanctions lists, auto-STR generation for FIC reporting.