Systems that make countries credible.
Agentics Technology Solutions designs and operates execution‑grade infrastructure for youth, banking, minerals, rentals and education — built for integrity, accountability and human behaviour.
The Agentics platform suite
Composable layers for banking, youth, minerals, rentals, education and integrity.
UBL
PlatformBehavioural intelligence and integrity infrastructure for banks and regulators.
AYL
PlatformIdentity, skills events and employability matching for youth and security services.
NFEIS
PlatformReal‑time economic and financial intelligence for national oversight.
GIGGS & MC-ILRS
PlatformIntegrated digital infrastructure for Ghana’s gold and minerals licensing & revenue.
National Rental
PlatformTransparent, enforceable rental market infrastructure for landlords, tenants and regulators.
NEIS-24
PlatformRule‑based execution and integrity backbone for a 24‑Hour Economy.
Edutrack Ghana
PlatformEducation and skills outcome tracking across the learner lifecycle.
From problem to system architecture
We start with integrity gaps, then design and deploy execution‑ready infrastructure.
Agentics platforms combine into a stack: UBL and NFEIS for financial integrity, AYL and Edutrack Ghana for youth, GIGGS and MC‑ILRS for minerals, NEIS‑24 as the integrity backbone.
Each layer exposes clear APIs, scoring and workflows, making it possible to supervise an entire sector — not just one app.
Built in Accra. Designed for national scale.
Focused on African institutions first, with Ghana as our living lab.
- Deep partnership with regulators, commissions and operators.
- Architecture that can travel across countries when governance allows.
- Execution‑grade designs that match real institutional capacity.
- Public Finance & Central Banking
- Minerals & Commodities
- Youth, Security & Public Service
- Housing & Urban Governance
- Education & Skills
Our method
Credibility, accountability and human‑centric behaviour embedded from day one.
We embed verifiability, audit logs and explainability into every layer, from identity to scoring.
Systems record actions, responsibilities and evidence, not just outcomes or reports.
Scores, workflows and interfaces are tuned to real human incentives and constraints.
For investors & partners
Agentics builds national‑scale systems that can absorb funding and convert it into measurable institutional capacity and outcomes.
- A portfolio of deployable platforms: UBL, AYL, NFEIS, GIGGS/MC‑ILRS, NEIS‑24, National Rental, Edutrack Ghana.
- Clear technical master documents, roadmaps and governance models for each system.
- Pipeline of projects with ministries, regulators and DFIs where funding can accelerate implementation.
- Execution frameworks that separate architecture, build, rollout and institutionalisation.
- Strong focus on integrity, auditability and anti‑manipulation by design.
- Measurable KPIs for each deployment: adoption, uptime, data quality and impact metrics.
Agentic Youth Layer (AYL)
“Turning invisible youth potential into visible, trusted employability.”
AYL is a shared, neutral employability trust infrastructure. It makes youth employability measurable, portable and auditable — in the same way the Ubuntu Banking Layer makes financial trust measurable and portable for the unbanked.
- A unique Agentics Youth ID with a continuously updated Skills and Behaviour Graph.
- Transparent Employability Scores and role‑fit profiles employers can trust.
- Matching and recruitment workflows, including security and public service intake.
- Hard outcome metrics for DFIs, government and partners: placements, retention, income uplift.
Multi‑channel youth registration (USSD, WhatsApp, web, app), event‑based skills and behaviour tracking, employability scoring and role matching, and strict governance for security recruitment — all running on a modular, cloud‑native architecture with eight backend services across seven integrated layers.
The problem AYL solves
Ghana, like many African countries, faces a structural youth employment crisis across three dimensions.
Thousands cycle through training schemes but remain unemployed. Programmes produce short projects that end with reports, not sustained jobs, and very little honest measurement of outcomes.
CVs and certificates do not predict reliability. High early dropout rates, weak soft skills and no common standard to pre‑screen large applicant pools. Security recruitment produces dangerous crowds and almost no evidence trail.
Each TVET, NGO or project keeps its own lists. Government and DFIs lack a unified view of how youth move from training into work. No common infrastructure where histories accumulate and are reused.
Five core principles
The design philosophy embedded in every layer of AYL.
History is Employability Capital
Every completed gig, apprenticeship and job accumulates into durable advantage — not forgotten each time.
Behaviour Beats Declarations
Real behaviour over time — attendance, completion, ratings — is more predictive than self‑reported CVs.
Guidance, Not Judgement
Scores guide youth on how to improve, not simply label them. The system always provides a way forward.
Neutral Infrastructure
Not owned by a single ministry, NGO or employer. Neutral infrastructure multiple actors plug into.
Auditability by Design
Every decision is explainable and traceable. Structured processes over ad hoc discretion.
Seven‑layer architecture
AYL is structured into seven integrated layers, from identity to governance.
Progressive verification (Level 0: self‑asserted, Level 1: document check, Level 2: institution‑attested). Multi‑channel: USSD, WhatsApp, mobile web and app. Produces a unique Agentics Youth ID, baseline profile and consent record.
Longitudinal graph of skills, behaviours and experiences from training providers, work, assessments and system interactions. Graph model with nodes (youth, skills, courses, employers, roles) and timestamped edges in an append‑only log.
Four core indices (Reliability, Soft Skills, Technical, Stability & Growth) into a composite Employability Score (0–100). Role‑fit profiles and a dedicated Security/Public Service sub‑profile with Discipline & Fitness Sub‑Score.
Employers define roles with hard constraints and skill thresholds. Engine filters, ranks and generates shortlists. Standard recruitment, gig assignments and security state machine with batch invitations.
Scale through institutions: TVETs, apprenticeship networks, faith communities, telcos, government programmes. Opportunity‑side: private employers, public agencies, gig platforms and social enterprises.
Structured data warehouse. Tailored dashboards for youth (progress), employers (pipeline & retention) and DFIs/government (aggregate impact, regional equity, cost per placement).
Data protection aligned with Ghana’s laws. Scoring transparency with appeals. Periodic bias detection. Immutable audit logs. Governance: Agentics as core operator, technical & ethics committee, partner advisory group, and optional national oversight forum.
Employability scoring system
Four core indices combine into a transparent, explainable composite score.
AYL generates profiles for: entry‑level sales & field promotion, customer support & call centre, logistics & delivery, basic admin & back office, and security/public service candidate. Profiles expand as youth gain experience.
Youth see their score, drivers and improvement recommendations. Employers see concise evidence attached to profiles. Transparency is critical for trust and adoption.
Recruitment workflows
Employers record hires and provide feedback. Every outcome writes back to L2 and improves matching accuracy.
Digital pre‑screening, controlled batches to prevent overcrowding. Every transition timestamped, officer‑attributed and auditable.
Technical architecture — eight backend services
Youth IDs, employer/partner accounts, authentication, consent.
Receives/validates events. Append‑only log. Skills & behaviour graph.
Computes indices, Employability Score, role‑fit and security sub‑profiles.
Role definitions, matching, shortlists, batch rules and stage transitions.
Partner configs: data feeds, permissions, quotas, channel integrations.
Outbound comms: SMS, WhatsApp, email, push via telco integrations.
Events → warehouse. Dashboards & exports for youth, employers, DFIs.
Immutable audit logs, admin roles, scoring versions, data access approvals.
Data architecture
- OLTP – PostgreSQL for core entities.
- Event Store – Kafka/Kinesis append‑only log.
- Graph – Neo4j or graph‑enabled PostgreSQL.
- Warehouse – Snowflake/BigQuery for analytics.
- TRAINING_COMPLETED, WORK_ROLE_COMPLETED
- ASSESSMENT_COMPLETED, MATCH_SHORTLISTED
- MATCH_HIRED, RETENTION_CHECK
- SECURITY_STAGE_PASSED / FAILED
API endpoints
Technical stack & requirements
Ghana V1.0 pilot
- Geography: Greater Accra + one secondary region (e.g. Ashanti).
- Youth target: 5,000–10,000 onboarded in year one.
- Partners: 2–3 major employers (BPO, logistics, retail), 2–3 TVETs.
- Public sector: Optionally one security agency for contained recruitment.
- Youth onboarded and verified.
- Percentage placed into at least one role.
- Retention after 3–6 months.
- For security: reduction in crowd size, improved auditability.
24‑month roadmap
Build core services, launch USSD/WhatsApp/web, onboard first partners, first 1K–2K youth.
More employers/partners, refine scoring, first structured pipeline, begin security pilot design.
Scale to tens of thousands, first security recruitment via AYL, publish impact dashboards, prepare multi‑country.
Strategic fit with UBL
AYL reinforces the Agentics thesis: the company that solves trust at the edges — financial trust (UBL) and employability trust (AYL).
- Enter via AYL (identity, skills, first gig).
- Build employability and secure stable income.
- Transition to UBL for savings, credit, financial services.
- Graduate to business layer for SME credit.
Competitive moat
- Network effects: More youth + employers = more value for both.
- Data moat: Years of verified work histories cannot be replicated.
- Governance legitimacy: Neutral public infrastructure > private vendor.
A pan‑African Youth Employability Graph — the employment equivalent of credit bureaus. Trust that is portable across borders.
Outcomes & metrics
- Credible profiles: placements with full evidence trail.
- Fair recruitment: batch ratios, stage pass rates with reasons.
- Policy analytics: regional/gender balance, programme impact.
- Income movements where earnings data is available.
- Security: full funnel with diversity and regional metrics.
Risk mitigation
- Data quality: Event‑based models, partner scorecards, quality dashboards.
- Adoption: Multi‑partner design, no single institution controls.
- Political: Transparency and governance build civil society trust.
- Fairness: Regular bias audits and controls embedded in L7.
UBL — Ubuntu Banking Layer
UBL is a behavioural and transaction‑level intelligence layer for banks and supervisors. It sits alongside core banking systems to track customer behaviour, detect manipulation, and power trustworthy digital channels without replacing existing cores.
- Real‑time behavioural signals across USSD, mobile, cards and core banking.
- Anti‑manipulation and integrity architecture sitting above multiple banks.
- Integration adapters for Temenos and other core banking systems.
UBL connects USSD gateways, mobile channels and core banking to a unified behavioural store. Machine‑readable events flow through trust, shield and security services, enabling risk scoring, anomaly detection and customer‑centric products without compromising regulatory oversight.
Why UBL matters
Banks and regulators are under pressure to expand digital services while maintaining integrity and trust across channels.
- Core banking systems were not designed for fine‑grained behavioural intelligence.
- Fraud and manipulation often play out across channels, not inside a single product.
- Supervisors need a horizontal view across institutions, products and channels.
- Building separate, siloed risk systems for each bank is costly and inconsistent.
What UBL makes possible
- Unified behavioural history per customer across USSD, mobile, web, agents and branches.
- Configurable trust and risk scores that regulators and banks can interpret and audit.
- Sector‑level supervision: the same integrity rules applied across multiple banks.
- Safer innovation: new digital products launched on top of a shared integrity layer.
How UBL works — technical architecture
UBL is implemented as a modular layer that connects channels, cores and regulators through a unified behavioural and integrity stack.
Channels & adapters: USSD handler, mobile/USSD session manager, SMS and app connectors capture fine‑grained user actions and translate them into canonical events without changing the existing core banking flows.
Core banking integration: Temenos and other cores connect via dedicated connectors that expose balances, products and transactions into the UBL event model, without storing sensitive core logic inside UBL.
Behavioural & trust layer: Trust services, shield models and features compute risk, trust and manipulation scores based on sequences of events, channel patterns and customer profiles.
Governance & supervision: Regulators and compliance teams access dashboards, alerts and audit logs that show how scores were generated, what rules fired and what evidence supports each decision.
UBL logs every USSD step and mobile interaction, detecting patterns such as SIM swapping, scripted usage or suspicious retries that may indicate manipulation rather than genuine customer behaviour.
When deployed as a shared layer, UBL enables supervisors to see cross‑institutional behaviour — for example, repeated attempts to open accounts or exploit promotions across multiple banks.
Banks can launch new savings, credit or micro‑insurance products over USSD or apps knowing that UBL will monitor behavioural risk and feed structured evidence into their risk and collections processes.
UBL’s anti‑manipulation architecture produces audit‑ready logs and dashboards, making it easier for banks to demonstrate compliance and for regulators to focus on systemic risks, not just static reports.
Outcomes & metrics
- Reduction in fraudulent or manipulated transactions per channel.
- Time to detect and respond to abnormal behavioural patterns.
- Coverage of behavioural scoring across customer base and products.
Implementation & governance
- Phase 1 – Design & sandbox: connect 1–2 banks, run UBL alongside existing fraud tools.
- Phase 2 – Multi‑bank rollout: expand adapters and standardise behavioural schemas.
- Phase 3 – Supervisor integration: dashboards, alerts and integrity reports for regulators.
GIGGS & MC‑ILRS — Ghana Integrated Gold Governance System
GIGGS is a national‑scale platform for Ghana’s small‑scale gold sector, combining licensing, traceability, compliance, and financial settlement into one governed system for 50,000 miners, 200 aggregators, field inspectors and multiple agencies.
- End‑to‑end digitisation from licence application to export clearance.
- Blockchain‑backed chain of custody for every gram of gold.
- Seed capital, reconciliation and FX reporting integrated into BoG and mobile money.
The technical spec is designed to support a 95% reduction in gold smuggling, a 40% increase in foreign exchange reserves from small‑scale gold, and a 70% reduction in licensing processing time, with full chain‑of‑custody transparency.
Why GIGGS matters
Ghana’s artisanal gold sector leaks value through smuggling, weak licensing, manual enforcement and opaque settlement.
- Licensing is slow, paper‑based and vulnerable to discretion.
- Gold batches can disappear between mine, aggregator, vault and export.
- Seed capital and gold delivery are not structurally linked.
- Policy is made with partial data and no real‑time smuggling risk view.
What GIGGS makes possible
- Identity, licensing, gold tracking, finance and compliance fully systematised.
- Multi‑agency integration with Minerals Commission, BoG, GRA, CEPS, NIA and AFRIPOL.
- Real‑time CEO and board dashboards for GoldBod with geospatial heat maps and risk scores.
- MC‑ILRS plus GoldSight AI as a reusable exploration and licensing intelligence layer for other minerals.
How GIGGS works — architecture & modules
GIGGS is specified as nine microservices, a Hyperledger Fabric ledger, an IoT layer, mobile apps and an integration gateway across eight government agencies.
Identity & Access: OAuth2/OIDC, RBAC, MFA and biometric authentication for inspectors and key roles, with strict session control and audit‑ready login trails.
Licence Management: Full digital workflow from application, eligibility scoring and multi‑stage approval to renewal, suspension and revocation, all written to blockchain.
Gold Tracking & IoT: GBID‑based batch tracking with RFID, GPS, load cells, biometric custody events, anomaly detection and geofence validation against concessions.
Financial Settlement: Seed capital disbursement, delivery‑based reconciliation, LBMA‑priced settlement, MoMo integrations and BoG FX reporting, all with dual‑authorisation.
Compliance & Enforcement: Offline‑first inspector app, violation logging, notices, compliance scorecards and escalated case management.
Analytics & Integration: Real‑time KPIs, heat maps, predictive smuggling risk scoring, multi‑channel notifications, append‑only audit, and structured agency APIs.
GoldSight AI — exploration intelligence engine
GoldSight AI is the AI‑powered exploration intelligence subsystem under GIGGS, providing probabilistic gold prospectivity maps and technical evidence to guide licensing, field campaigns and investment decisions.
What it does: GoldSight AI ingests national geoscience data (satellite imagery, geophysics, geochemistry, geology and concession boundaries), builds a unified data cube, and applies XGBoost models to generate prospectivity maps and concession‑level reports for Ghana’s gold belt.
- Data layer – PostGIS schemas for exploration, geology, geophysics, geochemistry and AI artifacts, plus Cloud‑Optimized GeoTIFF data cubes in cloud storage.
- AI & modeling – XGBoost prospectivity models with SHAP explainability, Optuna hyper‑parameter tuning, MLflow model registry and continuous retraining from field feedback.
- Pipeline & integration – Ingestion, preprocessing and inference pipelines orchestrated on cloud (GCP), with REST APIs, web dashboard and MCAS integration for concession decisions.
- Field validation – QGIS/QField‑based offline mobile workflows, soil and trench campaigns, and structured validation results that feed back into the model.
- Security & governance – TOGAF‑aligned architecture, Keycloak OAuth2, RBAC, audit logging and compliance with Ghana Data Protection Act and Minerals & Mining Act.
Every custody event is biometrically confirmed, geo‑tagged, time‑stamped and written to Fabric, with automatic alerts for GPS anomalies, weight discrepancies and device issues.
Disbursements are tied to delivery targets, FX value, and risk signals so capital works as a governance instrument, not just a cash outflow.
Violations, notices and cases are structured into scorecards, case workflows and audit logs so regulators and prosecutors have complete, chronological evidence.
Non‑functional requirements fix uptime, security, observability and compliance with Ghanaian law, making GIGGS an institutional‑grade reference design for minerals.
EduTrack Ghana — Education Governance Intelligence
EduTrack Ghana is a cloud‑native education governance platform for real‑time oversight from KG to tertiary, built around teacher, institution and learner registries, compliance engines and citizen reporting.
- Teacher, institution and learner passports anchored to the Ghana Card.
- Automated quota locks, compliance scoring and licence‑payroll integration.
- Trainee allowance, student loans and citizen reporting structurally governed.
EduTrack targets ghost teachers, over‑admissions, weak supervision, opaque allowances and loans, and the lack of real‑time institutional compliance visibility across Ghana’s education sector.
Core capabilities
- National Education Registry for teachers, institutions and students.
- Quota enforcement and institutional compliance scoring with automatic locks and penalties.
- Teacher lifecycle, licensing, CPD tracking and payroll integration.
- Trainee allowances and student loans governed by accreditation and attendance.
Accountability features
- Citizens Accountability Portal for reports via web, app, USSD and WhatsApp.
- Public school report cards with accreditation, quota, outcomes and alerts.
- PTA governance feedback structured into district and regional dashboards.
- Immutable blockchain records for credentials and disciplinary actions.
How EduTrack works — layered stack
ETG runs as a multi‑tenant microservices platform with unified identity, an API gateway, a data layer and a Hyperledger Fabric immutability layer, deployed in AWS Cape Town.
Access & identity: Web and mobile apps, USSD 714, Ghana Card‑based identity, RBAC and MFA, integrating NIA IVSP and the Integrated Database for Payroll Validation.
Core services: National Education Registry, Compliance Quota Enforcement, Teacher Lifecycle, Financial Disbursement and Citizen Portal services built as independently deployable microservices.
Data & blockchain: PostgreSQL OLTP, Fabric channels for teacher credentials, student records, institutional compliance and disbursements, plus analytics and BI dashboards.
Multi‑country design: ETG is architected for ECOWAS multi‑tenant deployment with country‑level isolation and shared infrastructure.
Admissions portals lock automatically once quota is reached, with escalating alerts, preventing the over‑admission crises seen in recent nursing college scandals.
Biometric, geo‑tagged attendance is tied directly to payroll and license status, closing the unearned salary loopholes under PAC scrutiny.
Allowances and loans are gated by accreditation, compliance scores and biometric attendance, with overlap checks between trainee allowances and student loans.
Citizens, parents and PTAs become structured oversight actors with tracked cases, escalation rules and public school report cards.
National Rental Management Compliance System (NRMCS)
NRMCS is a national rental governance infrastructure that stabilises Ghana’s rental ecosystem, protects tenants from unlawful advance demands, and protects landlords through documentation and structured dispute processes.
- Licensed agent registry with Agent Identification Numbers (AIN).
- National property registry with Property Identification Numbers (PIN).
- Digital tenancy, payment and dispute infrastructure (TRN & TLPID).
The blueprint fixes NRMCS as a preventive, rules‑based system: automate compliance, prioritise incentives over punishment, avoid automatic evictions, and treat documentation as protection for both landlords and tenants.
What NRMCS addresses
- Structural instability from 1–2 year advance rent practices despite legal limits.
- Informal, undocumented tenancies with weak evidentiary support.
- Unregulated rental agents and arbitrary commissions.
- Fragmented, paper‑based dispute resolution and no national rental data.
System outcomes
- Enforceable advance‑rent limits at the point of registration, not after abuse.
- Verified rental property base for housing policy and urban planning.
- Professionalised agents with public verification, commission rules and discipline.
- Evidence‑ready dispute files and structured escalation to Rent Control and courts.
How NRMCS works — six‑system architecture
The blueprint specifies six coordinated systems, an access layer, core microservices and a governed data and security model designed for phased national rollout.
System 1 – Licensed Rental Agent Registry (LRAGRS): Agent registration, Ghana Card and TIN validation, AIN issuance, commission rules, public verification and discipline.
System 2 – National Property Identification (NPIBRA): PIN assignment, geospatial mapping, permit cross‑validation, rental activation and ownership linkage.
System 3 – Digital Tenancy Registration (NDTRCE): Tenancy initiation, advance validation, dual confirmation, TRN issuance and breach logging.
System 4 – Rental Payment Escrow (RPIEA): TLPID‑linked payments, multi‑channel collection, advance monitoring and arrears tracking.
System 5 – Dispute & Legal Integration (DCE‑LIF): Digital breach registry, structured notices, tiered resolution, case compilation and Rent Control integration.
System 6 – Governance & Data Protection: Institutional ownership, oversight board, data classification, security controls and a phased national rollout model.
Web, mobile, USSD, IVR and assisted registration desks all connect through an API gateway, with no direct database access from any interface.
Identity, agent, property, tenancy, payment and dispute databases are linked via AIN, PIN, TRN and TLPID, with immutable audit entries for every change.
Ghana Card, GRA TIN, MMDA permit and payment gateway APIs are integrated under a security architecture built around RBAC, AES‑256 at rest, TLS 1.3 in transit and audit‑by‑design.
The framework includes cost structures, revenue mechanisms, risk doctrine and an implementation roadmap from Greater Accra pilot to national activation.
Design the execution layer your country actually needs.
Share your current youth, banking, minerals, rental or education challenges and we’ll map them into a concrete Agentics architecture and rollout plan.
About Agentics
Agentics Technology Solutions is a systems studio based in Accra, focused on credibility, accountability and human‑centric behaviour in national digital infrastructure.
Insights
Coming soon: briefs on UBL, AYL, NFEIS, GIGGS & MC‑ILRS, NEIS‑24 and more.