Lookups Today
0
Active Referrals
0
Approved Loans
0
API Status
✅ Live
🔍 Quick Lookup
📊 Integration Status
Trust Score API
Active
Loan Referral Pipeline
Checking...
SENTINEL Staff Monitor
Checking...
Webhook
Not configured
📋 Recent Referrals
No referrals yet.
Trust Score Lookup
Query any UBL member's trust profile for loan assessment
🔍 Lookup Member
📖 Score Guide
80–100 — Exemplary
Highest trust. Strong community endorsement, verified ID, clean history.
65–79 — Trusted
Multiple witnesses, active MoMo, stable GPS location.
50–64 — Established
Good profile. Standard due diligence recommended.
35–49 — Emerging
Building trust. Small amounts recommended.
0–34 — Unverified
New or incomplete profile. Manual review required.
Loan Referrals
Members referred by UBL for bank loan consideration
Submit New Referral
API Documentation
Integrate UBL trust scores into your Core Banking System
🔑 Authentication
Include your API key in every request header:
X-UBL-API-Key: ubl_bank_YOUR_API_KEY_HERE
⚠️ Never expose your API key in client-side code. All requests must be server-to-server only.
POSThttps://ublafrica.com/api/api/v1/bpa/trust-score
Get a member's UBL trust score. Returns full SHIELD AI assessment and bank eligibility.
// Request
{
"member_id": "uuid-of-member",
"purpose": "loan_assessment"
}
// Response
{
"full_name": "Kwame Mensah",
"trust_score": 67.5,
"trust_band": "trusted",
"vouch_count": 3,
"shield_assessment": {
"ai_drs_score": 823,
"default_probability": 0.12,
"risk_tier": "LOW"
},
"bank_eligibility": {
"eligible_for_referral": true,
"max_loan_available": 50000
}
}
POSThttps://ublafrica.com/api/api/v1/bpa/loan-referral
Submit a loan referral from UBL to your bank.
// Request
{
"member_id": "uuid",
"requested_amount": 5000.00,
"purpose": "business"
}
POSThttps://ublafrica.com/api/api/v1/bpa/referral/{id}/decision
Submit your loan decision back to UBL. Member notified via SMS automatically.
// Request
{
"referral_id": "uuid",
"decision": "approved",
"bank_reference": "GCB-2026-001234",
"offered_amount": 4500.00,
"offered_rate": 18.5
}
POSThttps://ublafrica.com/api/api/v1/bpa/staff/onboard
Enroll bank staff in SENTINEL monitoring. Requires SENTINEL to be enabled on your account.
// Request
{
"staff_name": "Ama Sarpong",
"staff_id": "GCB-STAFF-001",
"role": "Loan Officer",
"branch": "Accra Main Branch",
"phone": "+233244000000"
}
Webhook Configuration
Receive real-time push notifications from UBL
📡 Webhook Endpoint
Events you will receive:
📋 loan_referral — New referral created
🚨 fraud_alert — Member flagged by SHIELD AI
⬆️ trust_score_update — Member score changed
✅ vouch_confirmed — New vouch confirmed
⚠️ early_warning — Member stress signals
SENTINEL Intelligence
AI-powered platform monitoring and member intelligence for bank partners
● Live
Full SENTINEL ↗
API STATUS
Healthy
All endpoints responding
WATCH LIST
-
Members monitored
REFERRALS
1
Pending decisions
SHIELD AI
Active
v3.0.0-rules
🧠
Bank Intelligence Assistant
Powered by Claude AI
🧠
Hello! I am your UBL Africa Bank Intelligence Assistant. I can help you understand member trust scores, analyse loan referrals, explain BCI reports, monitor your watch list, and provide compliance guidance. How can I assist you today?
Quick Analysis
Platform Checks
BPA APIOnline
Trust Score EngineActive
SHIELD AIActive
Webhook DeliveryNormal
SSL Certificate86 days
Watch List Alerts
Members you are monitoringLoading watch list...
Recent Platform Events
| TIME | EVENT | MEMBER | STATUS |
|---|---|---|---|
| Today 09:15 | Trust score updated | Kwame Asante | +5 points |
| Today 07:00 | Loan referral submitted | Kwame Asante | Pending |
| Yesterday | SHIELD AI anti-manipulation check | All members | All clear |
| 2 days ago | New member registered | Fiifi Turkson | Verified |