United Bank of Innovation Trust (UBI)
A sovereign banking institution providing credit, lending, savings, and wealth management — operating under the full authority of the Kissi Kingdom Sovereign Wealth Fund.
Section C — KKSWF Sub-Account · Established by Sovereign Decree No. SD-2023-4C11777841
Mission
To provide innovative, accessible, and sovereign-backed financial services — including credit, lending, savings, and wealth management — serving the Kingdom's citizens, diaspora communities, and strategic partners worldwide, while upholding the highest standards of integrity, transparency, and fiduciary responsibility.
Vision
To establish the United Bank of Innovation Trust as the premier sovereign banking institution of the African continent — a model of how ancient sovereignty and modern financial architecture can converge to serve a people, protect a patrimony, and build generational wealth for the Kissi Kingdom and its global community.
About UBI
The United Bank of Innovation Trust (UBI) is a sovereign banking institution established by Sovereign Decree No. SD-2023-4C11777841, under the plenary authority of Her Royal Highness Yumba Kamanda, Princess Regent of the Royal House of Kissi.
UBI operates as a subaccount of the Kissi Kingdom Sovereign Wealth Fund (KKSWF, EIN 98-1929563), with authority to conduct banking, financial services, and commercial activities in furtherance of the Kingdom's economic sovereignty.
Banking Services
CREDIT & LENDING
- Personal Loans
- Business Loans
- Home Loans
- Auto Loans
- Credit Cards
INVESTMENT & WEALTH
- Investment Accounts
- Wealth Management
- Sovereign-Backed Instruments
- Portfolio Advisory
BANKING SERVICES
- Debit Cards
- Savings Accounts (Phase 2)
- Deposits (Phase 2)
- Wire Transfers
- Bill Pay
Head Royal Financial Council
UBI is governed by the Royal Financial Council, appointed by and serving at the pleasure of the Princess Regent. All 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
The United Bank of Innovation Trust maintains rigorous Know Your Customer (KYC) protocols and compliance standards. Every account and transaction is subject to sovereign verification.
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 from origin to destination. Nothing can be hidden or altered.
UBI's compliance framework was constructed by Cortney Dawson, drawing on 25+ years of banking compliance experience at U.S. Bank, Wells Fargo, TCF Bank, McKesson, and Boston Scientific, with a decade of specialized Anti-Money Laundering (AML) expertise.
Operational Phases
PHASE 1 — NON-DEPOSITORY OPERATIONS
EFFECTIVE IMMEDIATELY
UBI offers credit cards, personal loans, business loans, home loans, auto loans, and investment products. Correspondent banking relationships with relationship banks provide fund custody and transaction processing.
PHASE 2 — DEPOSITORY OPERATIONS
TARGET: 2027
Upon securing regulatory approvals and correspondent banking infrastructure, UBI will expand to accept deposits, offer savings accounts, and provide full-service banking.
Sovereign Authority
UBI's sovereign status is grounded in the inherent sovereignty of the Royal House of Kissi — a sovereign African royal family dating to the 1300s whose sovereignty has never been extinguished.
The Kingdom's authority to establish and operate banking institutions flows from its inherent right to create currency, banks, and financial instruments; customary international law; the United Nations Declaration on the Rights of Indigenous Peoples (UNDRIP); and Sovereign Decree No. SD-2022-77748C11 establishing the KKSWF.
Inquiries
For banking inquiries, contact legal@kissikingdom.com