One platform · every microfinance model

Powering finance for the informal sector.

Microfinance bank, cooperative, savings and loans, field sales, microinsurance or micropension — run your whole operation on one platform, with full features and little to no upfront investment.

Book a Demo Call → See What We Power

✓ Full-featured platform ✓ Little to no upfront cost ✓ Every microfinance model ✓ 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 the institutions serving the informal sector.

Whatever model you run and however you reach your customers — through branches, field officers, agents or mobile — UCARD gives you one platform to run the whole operation.

Microfinance Banks

Run accounts, savings, loans and payments across branches, field officers and digital channels — with CBN-aligned reporting built in.

Cooperatives & Credit Unions

Digitise member savings, contributions, disbursements and repayment collection — replacing manual, paper-based processes.

Savings & Loans / OFIs

Mobilise deposits, originate and service loans, and extend into new products on one platform you fully control.

Agent & Field Networks

Equip agents and field officers to onboard customers and deliver cash, payments and services wherever people are — compliant with CBN agent-banking rules.

Microinsurance Providers

Distribute and administer cover through the same field, agent and digital channels your customers already use.

Micropension & Savings Operators

Reach the informal sector with long-term savings and micropension products delivered through agents and mobile.

What You Can Run on UCARD

One platform. Every product the informal sector needs.

Start with one and add the rest without re-platforming — deposits, loans, payments, asset finance, insurance and pensions, delivered through whichever channels your customers reach you on.

● 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

Field & Agent Distribution

Take your services to where the informal sector actually transacts. Equip agents and field officers to onboard customers and deliver cash, payments and products — anywhere.

Agent & field-officer onboarding and tiering
Real-time float, commissions & settlement
Deposits, loans, bills, insurance at the point of contact
CBN agent-banking compliance, built in
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 same platform — remote-lock collateral control, originated and collected through your branches, agents and field officers.

Loan origination and repayment tracking
Remote-lock (SmartLock) collateral control
Branch, agent & field-officer 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, field officers and mobile channels — bringing the informal sector into formal retirement saving.

Micropension contribution aggregation
Agent, field and mobile enrolment
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.

Every microfinance model carries its own regulatory weight — the CBN microfinance framework, the 2025 agent-banking guidelines, NIBSS settlement and NDPR data protection. UCARD is built around all of it, so compliance and reporting come with the platform rather than as a project you have to staff and build. For institutions running agent networks, that includes the geo-fencing and PTSA-routing evidence due 31 July 2026.

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 financial services 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