With Ace, the AI Credit Exchange, UNIFOS enables end-to-end loan and credit card management, helping lenders create and grow profitable portfolios.
Unified Financial Operating System for Banks
Ace · AI Credit Exchange
Ace enables lenders to instantly originate and disburse loans, set credit card limits and manage them throughout their lifecycle. It collects due and delinquent payments from the borrower’s accounts at the bank that disbursed the loan, and goes further, collecting from accounts the same customer holds with other UNIFOS partners. Every application is underwritten three ways, and the three are triangulated into the most conservative offer.
Credit origination with instant three-way underwriting, led by your own rules
Credit disbursement with an instant or workflow-based approval process
Loan management over the lifecycle of credit products
Collection of due and delinquent payments, including from accounts at other UNIFOS partners
Comprehensive credit management throughout the entire lifecycle of a credit product
From Application to Collection in One Product
Every tap in the app is matched by a check, a posting or a collection behind it. The credit decision stays with your bank: your rules, your data, your sign-off.
01 · Apply
Picks a loan or a credit card, sees the full cost and applies with PIN verification
Offer and terms set by your products and pricing
02 · Underwrite
Gets a clear decision in the app
Your rules, the AI Checker and the credit bureau, triangulated into one conservative offer
03 · Disburse
Gets the money or credit card limit in their account, on your core or BALANCE
Within your instant limit, IMS and Ace approve as maker and checker; above it, your credit officer approves on the portal
04 · Repay
Repays on their own in the app: early, in part or by auto-repay
In your Standalone App or your own app with the Super SDK, processed end to end by UNIFOS
05 · Collect
Any delinquent amount is collected by the platform
Ace and IMS collect delinquent loans from the borrower’s accounts, on your core or on BALANCE core banking
How Ace decides
Three independent checks and two safeguards
01 · Your Maker pass
IMS runs your own underwriting rules inside your own environment, on the customer data you hold, and sets the ceiling for every offer.
02 · The AI Checker
Sees borrowing and repayment across the UNIFOS network, with the customer’s consent, and catches over-indebtedness one lender cannot see.
03 · The credit bureau
An independent check on the customer’s credit history before any eligibility is offered to the customer.
04 · A fresh Maker pass
Once the customer applies, your rules run again before the money is disbursed, guarding against several disbursement requests arriving at once.
05 · Your credit officers
Above your instant-approval threshold, the application moves to the Partner portal, where a credit officer reviews the three checks and approves it by hand.
The three are triangulated into the most conservative offer, so it never exceeds your own ceiling. Every verdict is signed and comes with its reasons, and a behaviour score grades borrowers from A to E. The decisions are explainable today, and Ace is built to take machine-learning models behind the same decision.
In your app
Borrow and repay in minutes
- Payday, salary advance, small-ticket, personal and consumer-durable loans
- Amount, interest, charges and schedule shown before applying
- Application tracking, loan statement, early or part repayment
- Auto-repay from the customer’s own account on the due date
On the Partner portal
Your book and your collections desk
- Loan portfolio and collection portfolio dashboards, with collection starting on any account the moment it is one day past due
- Collection reports
- Credit officer queue for loans above your instant cap, signed with the UNIFOS portal PIN
- Products, pricing and rule sets, each with maker and checker, signed with the UNIFOS portal PIN
- CRMS reporting for Nigerian customers, and the month-end debt file
Standalone App · Microfinance banks and fintechs
Loans live in your own app, in your brand. Disbursement, repayment and collections run on BALANCE core banking.
Super SDK · Commercial banks
Loans open inside the app you already run. IMS in your data centre scores on your data, then pays out and collects on your own core.
Lasting Value for Banks Across Africa
BALANCE core banking supports diverse use cases across digital payments, card transactions, lending and loyalty, all from one unified platform. Commercial banks keep their own core, connected through IMS, our Institution Management System on their premises.
Ace, the AI Credit Exchange, is a lending platform that supports the full lifecycle of credit products, from instant origination and disbursement to loan management and collection services that include due and delinquent payments as well as multi-bank collections.
A complete ecosystem for full-spectrum loan and credit card management, helping lenders grow profitable portfolios
Explore More of Our Solutions
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Accepto · Merchant Acceptance
We support you with the tools and infrastructure to onboard merchants instantly, accept all major payment types and manage terminals from a single, secure dashboard.
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Instacard · Virtual & Universal Cards
We equip you to issue virtual cards (debit, credit or prepaid) instantly. Customers pay online and contactless in your app, and link any of them to one physical Universal card for in-store payments, relinking it any time.
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Instacard DTS
With our patented Dual Transaction Service (DTS), you can offer instant credit card access through customers’ existing debit cards, with no new card needed. Drive engagement and grow income with ease.
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Verifyed · KYC & Soft Token
We make identity verification effortless with face match, liveness detection and two-factor authentication through the soft token, helping you onboard customers securely and at scale.
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Rewa · Loyalty Management
We enable you to design, launch and manage custom loyalty programmes that reward usage, increase customer engagement and give real-time visibility into earned points.
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Frequently Asked Questions
Ace stands for AI Credit Exchange: a complete ecosystem for end-to-end management of loans and credit cards. It helps lenders build and scale profitable portfolios with instant origination and disbursement, full lifecycle management and collection of due and delinquent payments from the borrower’s accounts at the lending bank and at other UNIFOS partners.
Launch the Future First
Launching a digital bank? Adding products to your app? Get your own mobile bank in your brand, or the UNIFOS Super SDK inside your app. Tomorrow’s banking, live today. Launch in weeks, on a revenue share.