Live Platform
JOIN —
FOUNDING MEMBERS
Every field you complete builds your trust score in real time. Voice print, location, and photo are mandatory — they make your profile fully traceable and bank-ready.
Members
Loans
Vouches
Banks
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Personal Information
Must be 18 or older — required for bank KYC
Location & Address +150 pts
Your digital address from Ghana Post — most precise location identifier
Identity Documents +120 pts
UBL Africa serves all nationalities — your trust score is universal
Links your biometric identity to your UBL profile. Available from NIA Ghana Card data.
Economic Profile +250 pts
Biggest single trust signal — enables mobile money transaction analysis
Loan Request Details +60 pts
Tell us about the loan you are seeking. This helps our bank partners prepare the right product for you when UBL launches officially.
Community Bonds +100 pts
Emergency Contact +40 pts
Secondary traceability anchor — used only in emergency or loan default
Next of Kin +50 pts
Community Vouching — The Core of UBL +200 pts
WHY VOUCHING MATTERS
UBL Africa is built on Ubuntu — "I am because we are." Your community vouches are the primary signal that turns social trust into financial access. Provide at least 2 guarantors who know you personally and can confirm your trustworthiness. They will be contacted to verify their endorsement.
⚠️ False vouching is a serious breach — SHIELD AI detects collusion rings
Guarantor 1 — Primary Vouch
Used to verify guarantor is a real traceable person
Guarantor 2 — Secondary Vouch
Guarantor 3 — Additional Vouch (optional — boosts score)
Live Location Capture — Mandatory
📍 GPS Location
Your live location must be captured to complete registration. This anchors your profile to a real physical address.
Voice Print — Mandatory +100 pts
🎙️ Voice Biometric
Say clearly: "I am [your full name] and I authorize UBL Africa to verify my identity"
Live Photo — Mandatory +80 pts
📸 Live Face Capture
Photo must be taken live using your camera — no uploaded images. Look straight at the camera in good lighting.
Declaration & Signature +50 pts
By typing your name you declare that all information provided is true and accurate
Consent & Agreement +100 pts
🔒 AWS af-south-1 · SHIELD AI · AES-256 · Ghana DPA 2012
YOU ARE IN!
Welcome to UBL Africa. Your registration is confirmed with voice print, live photo, and GPS location captured. Download the UBL app to complete full biometric setup and invite your vouches.
Your Starting Trust Score
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Invite community vouches in the app to grow your score further