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Active Referrals
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Approved Loans
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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 Staff Monitoring
Enroll staff in UBL's AI-powered insider threat detection
No staff enrolled yet. Click "+ Enroll Staff" to begin.