UBL
Ubuntu Banking Layer
UBL is the behavioural intelligence and identity infrastructure that makes Africa's 600 million financially excluded people permanently visible, scorable and bankable — through a single API that any bank, MFI or fintech can connect to in days.
Key Capabilities
What UBL Delivers
01
Trust Score Engine
Six-signal behavioural scoring from mobile money, savings, merchant payments, cooperative activity — real-time, explainable, auditable
02
Financial Inclusion API
Single REST/GraphQL API — KYC, AML, Trust Score and identity in under 2 seconds. ISO 20022 aligned. 99.9% uptime SLA.
03
Merchant Trust Network
800,000+ verified merchants in Ghana — each with a UBL Trust ID and scoreable track record. Pre-qualified for bank loan products.
04
Regulatory Intelligence
Real-time FIC/AML dashboard. INTERPOL + UN sanctions screening. Automated BoG reporting. Immutable audit trail.
05
White-Label Platform
Full white-label API — banks deploy UBL-powered products under their own brand. No customer sees UBL unless the bank wants them to.
06
ECOWAS Interoperability
UBL Trust IDs designed to travel across all 15 ECOWAS member states. One identity layer. Continental trust.
By the Numbers
The Scale
600M+
Adults targeted for financial inclusion
6×
More loan applications for partner banks
<2s
KYC + Score + AML in one call
$130M
ARR target by Year 5
Deploy UBL
in your country.
Request a full technical briefing, feasibility assessment and pilot design for Ubuntu Banking Layer in your country or institution.