Digital Banking & Payments Infrastructure

Turn any outlet into a bank.

A distribution network your institution owns — not one you rent from a competitor. Single-principal compliant, rolled out across any retail footprint, and carrying far more than cash-in and cash-out.

Book a Demo Call → See What We Power

✓ Institution-owned network ✓ Single-principal compliant ✓ Beyond cash-in, cash-out ✓ Live in weeks

A UCARD agent serving a customer at a neighbourhood kiosk in Lagos

Last-mile financial services — from branch to agent to mobile, on one platform.

Who We Serve

Built for institutions that can own a network.

Under CBN's single-principal rules, only a licensed deposit-taking institution can be a Principal. We are precise about who we serve — and honest about who we don't.

Primary

Tier 2 & 3 Microfinance Banks

Stand up an agent network you own, meet single-principal rules, and stop handing deposits to the national agent networks. Consumer banking on the same core.

Primary

Other Financial Institutions

Licensed OFIs that can act as a Principal — own your distribution, run compliant agent operations, and extend into lending and savings products.

Selective

Licensed Super Agents

Manage a compliant network at scale — agent tiering, float, geo-fenced terminals, and PTSA-routed settlement across all six zones.

Opportunistic

PSBs & Mobile Money Operators

Use UCARD as the processing and agent-management backbone for high-volume, low-value transactions across mobile and USSD.

Field Operations

Cooperatives

Cooperatives are not CBN Principals — so we do not sell them agency banking. We digitise member collections, savings, disbursement, and field operations on the same software.

Nexus

Fintechs & Neobanks

Go to market on a production-ready, API-first core — consumer banking, compliance, channels, and settlement without building from scratch.

What You Can Run on UCARD

One core. More for every agent to sell.

Agent income has fallen sharply under the new rules. The only way it recovers is more products per agent. Cash-in and cash-out is where the rail starts — savings, loans, asset finance, and pensions are what make it worth owning.

● Live

Consumer-First Digital Banking · for MFBs & OFIs

Put a neobank-grade experience in your customers' hands — under your own brand and your own licence. The app, the onboarding, and the everyday banking they now expect as standard.

Neobank-grade mobile app, your brand
Instant BVN / NIN onboarding
Savings, transfers, loans, bill payments
USSD, mobile, and web channels
NIBSS transfers & automated CBN reporting

See Nexus in action →

● Live

Principal-in-a-Box · Agent Networks You Own

Everything a licensed institution needs to run its own compliant agent network — and turn agents, shops, pharmacies, or franchise outlets into full-service banking points.

Single-principal compliance, built in
Geo-fenced terminals, PTSA-routed settlement
Dedicated agent accounts, BVN/NIN due diligence
Real-time float, commissions & complaint SLA
Far beyond cash-in and cash-out

See Paystation in action →

Asset Finance

● Expanding

Productive-Asset Lending · for Lenders

Put productive-asset lending on the agent rail — remote-lock collateral control, originated and collected through the network your institution already owns.

Loan origination and repayment tracking
Remote-lock (SmartLock) collateral control
Agent-network distribution & collection
Delinquency and write-off automation

Talk to us about asset finance →

Micropension

● Expanding

Long-Term Savings · for Pension & Savings Operators

Micropension and long-term savings, aggregated through your agents. A product the national networks cannot bundle — and the reason an agent's income recovers.

Micropension contribution aggregation
Agent and mobile enrollment
PFA partnership integration
PenCom-aligned records and reporting

Talk to us about micropension →

See the Platform

Real product. Real screens.

The interfaces your team and agents use every day to manage accounts, payments, and field operations.

nexus.ucard.store/reports

Reporting & reconciliation — transaction listings, status tracking, and exportable reports for compliance and audit.

nexus.ucard.store/dashboard

Portfolio analytics — transaction volumes, active users, and channel mix at a glance.

paystation.ucard.store/agents

Agent operations console — wallet and commission balances, traded volume, and active-agent tracking.

Agent mobile app — onboarding, send/withdraw money, airtime, bills, and insurance in the field.

Screens shown are from the live UCARD product suite. Book a call for a walkthrough configured to your use case.

Request a live walkthrough →

Jul 31
2026

Compliance isn't a feature. It's the product.

The 2025 Agent Banking Guidelines rewrote the rules. Agents are tied to one Principal until contract expiry. Terminals must be geo-fenced and PTSA-routed with GPS coordinates, or they cannot transact — with evidence due 31 July 2026. Paystation ships with the whole stack: dedicated agent accounts, BVN/NIN due diligence, geo-fencing, PTSA reporting, and a 7-day complaint SLA. No second-tier institution should have to build this.

Are your terminals ready? → Compliance details

Customers & Partners

The institutions already on the rail.

Licensed banks, agent networks, and insurers building on UCARD infrastructure across Nigeria.

Financial Institutions

Agent Networks

Insurance

Further client references available on request under NDA.

Expert
Dojo

Backed by Expert Dojo, built in Lagos

UCARD is backed by Expert Dojo, the Santa Monica venture studio behind 500+ startups worldwide. Our team brings 15+ years of Nigerian telecoms and fintech leadership — from national 4G and enterprise launches to CBN-compliant agent networks reaching underserved communities. Client references are available under NDA on further engagement.

Get Started

Ready to see how UCARD can work for your institution?

Talk to our team about your goals, timeline, and setup. Here's what happens next:

1Submit your detailsTell us about your institution and what you're trying to do.
2We review within 1 business dayOur team prepares a walkthrough relevant to your model.
330-minute tailored demoSee the platform running against your specific use case.

📅 Prefer to self-book? Grab a 30-min demo slot ✉️ info@ucard.store