First Bank of Africa (FBA)
A sovereign humanitarian banking institution providing zero-interest loans, healthcare, legal aid, and therapy — serving underserved communities across Africa and the global diaspora.
Section D — KKSWF Sub-Account · Established by Sovereign Decree No. SD-2023-C4877711
Mission
To provide zero-interest humanitarian loans, healthcare access, legal aid, and therapeutic services to underserved communities — advancing the Kingdom's sacred humanitarian mandate to uplift and protect the most vulnerable across Africa and the global diaspora.
Vision
To become the leading humanitarian financial institution of the African continent — a beacon of compassionate banking that proves financial services can heal, restore, and empower without exploiting those in greatest need.
About FBA
The First Bank of Africa (FBA) is a sovereign humanitarian banking institution, originally established as a California entity and elevated to sovereign status by Sovereign Decree No. SD-2023-C4877711.
FBA operates under the sole membership of Her Royal Highness Yumba Kamanda, Princess Regent, and functions as a subaccount of the Kissi Kingdom Sovereign Wealth Fund (KKSWF).
Humanitarian Services
ZERO-INTEREST LOANS
Humanitarian loans at 0% interest for qualifying individuals and communities. No predatory practices, no hidden fees — just compassionate lending that restores dignity.
HEALTHCARE ACCESS
Medical assistance programs connecting underserved populations with healthcare providers, covering essential medical needs and preventive care.
LEGAL AID
Pro-bono and subsidized legal services for individuals facing injustice, housing disputes, immigration challenges, and civil rights matters.
THERAPY & WELLNESS
Mental health services, trauma counseling, and therapeutic programs addressing the psychological toll of poverty, displacement, and systemic oppression.
Head Royal Financial Council
FBA is governed by the Royal Financial Council, appointed by and serving at the pleasure of the Princess Regent. All humanitarian loan approvals and strategic decisions require the Regent's direct authorization.
Her Royal Highness, Yumba Kamanda
Regent · Chief Visionary Officer (CVO) · Chief Investment Officer (CIO)
Vince Merolla
President (PR) · Chief Executive Officer (CEO)
Cortney Dawson
Chief Compliance Officer (CCO)
Bernie Sarfo Annor
Chief Legal Officer (CLO) · PA Bar No. 306696
Gandhinath Swaminathan
Chief Technology Officer (CTO) · App Suite Architect
Sundarrat Rathinavel
Junior App Architectural Engineer
LEAD ROYAL COUNCIL · ROYAL KISSI KINGDOM GOVERNMENT ATTORNEY
Timothy Daniel, Esq.
Lead Royal Counsel · Royal Kissi Kingdom Government Attorney
Ohio Bar No. 18978
RKID-2032-2046-469-C119
KYC & Compliance
FBA maintains a tiered KYC structure appropriate to its humanitarian mission. Humanitarian Civilians (Tier 1) require basic identification and an Anti-Crime Declaration. Standard banking customers (Tier 2) follow enhanced verification. All persons and entities interacting with KKSWF accounts are subject to appropriate verification based on their role and risk profile.
The Kissi Kingdom stands firmly against terrorism, financial crimes, money laundering, and all forms of illicit financial activity. All financial operations are recorded on an immutable blockchain ledger — every transaction is fully traceable. Our compliance framework aligns with the Bank Secrecy Act, USA PATRIOT Act, FATF Recommendations, Santiago Principles, and OFAC/UN/EU/UK sanctions.
Operational Phases
PHASE 1 — HUMANITARIAN OPERATIONS (ACTIVE)
Zero-interest humanitarian loans, home loans, auto loans, credit/debit cards, healthcare, legal aid, and therapy. Products available now.
PHASE 2 — DEPOSITORY OPERATIONS (TARGET: 2027)
Savings accounts, full-service humanitarian banking, and expanded community programs.
Humanitarian Inquiries
For humanitarian services, contact legal@kissikingdom.com