UBICS is a proposed new financial instrument that is complementary to the current global financial system and was submitted for consideration to all major global financial institutions and world leaders. UBICS unleashes the true potential of the free market and fixes all the major challenges the world is currently facing including unsustainable debt, unemployment, climate change, pollution and essential service delivery.  UBICS is a global social dividend funded in a non-inflationary manner through global consensus currency issued at IMF SDR value and converted to local currency at central bank level with last mile distribution through commercial banks. Engineered with a dynamic balance between cash and service delivery and regional flexibility.

UBICS addresses the world’s major challenges including unsustainable debt, unemployment, climate change, pollution and essential service delivery. UBICS provides the fertiliser enabling real-growth of the economy from grass roots level. It addresses problems at the core whereby there is not an indiscriminate printing of money that doesn’t reach its intended destination, but rather a dynamic, highly structured, globally coordinated, equitable distribution of money. CBDCC addresses the paradigm shift to grassroots level, that benefits the man on the street directly

UBICS is a global social dividend funded in a non-inflationary manner through Central Bank Digital Currency Capital (CBDCC ), a global consensus currency issued at IMF SDR value and converted to local currency at central bank level with last mile distribution through commercial banks. Engineered with a dynamic balance between cash and service delivery and regional flexibility. CBDCC is a dynamic, multifaceted, financial instrument. It is an extension to the current Global Financial System (GFS) and addresses the world’s major challenges including unsustainable debt, unemployment, climate change, pollution and essential service delivery. UBICS provides the fertiliser enabling real-growth of the economy from grass roots level. It addresses problems at the core whereby there is not an indiscriminate printing of money that doesn’t reach its intended destination, but rather a dynamic, highly structured, globally coordinated, equitable distribution of money. CBDCC addresses the paradigm shift to grassroots level, that benefits the man on the street directly.

UBICS is a global social dividend that incorporates a dynamic balance between cash and service delivery to citizens with full regional flexibility. UBICS programs include basic income (U1), commercial essential service delivery (U2), home ownership/land reform/debt relief (U3), government funding (U4) and financial services (Ubifin).

UBICS 1 (U1) is a global social dividend (direct basic income) of SDR 180 (* USD 250) per month to all global citizens funded in a non-inflationary manner through CBDCC consensus currency. CBDCC is issued by an alliance of the world’s most trusted global  institutions per registered global citizen, converted to local currency at central bank level with last mile distribution by commercial banks.  U1 contributes circa US$ 22 trillion per annum boost to the global economy. 

UBICS 2 provides dynamic, commercial, supplementary essential services, with non-inflationary funding of SDR 2 160/yr. (* USD 3k) per citizen, directly allocated to the city of registration and dividend pay-out for unused funds.

UBICS 3 is a partnership with commercial banks to provide a capital boost to all global citizens, backed by CBDCU (Central Bank Digital Currency Union). It enables ownership of property and land reform in a commercial, fair & dynamic manner in countries such as South Africa and Zimbabwe.

UBICS 4 provides dynamic local government funding in partnership with commercial banks backed by CBDCC, in a non-inflationary manner, through SDR 60 pm (* USD 1 000/yr.) per citizen, directly allocated to the city of registration and dividend pay-out for unused fund.

UBICS (Universal Basic Income Catalyst System) is transformative for social development and banking, enabling the largest boom in the financial services history. It addresses the underlying issues that are causing migration, populism, Brexit, gilets jaunes, unsustainable debt, Zombie banks and general disfunction.

CBDCC is a dynamic, multifaceted, financial instrument. It is an extension to the current Global Financial System (GFS), addressing the inherent GFS flaws that have created unsustainable debt, growing inequality, pollution, climate change, unemployment and the precariat social class. The current GFS favours big business and vested interest groups. UBICS provides the fertiliser enabling real-growth of the economy from grass roots level. It addresses problems at the core whereby there is not an indiscriminate printing of money, that doesn’t reach its intended destination, but rather a dynamic, highly structured,  globally coordinated, equitable distribution of money. CBDCC addresses the paradigm shift to grassroots level, that benefits the man on the street directly.

Super Village is an incubator program to deploy UBICS pilot projects prior to full implementation of UBICS at global and regional level. Super Village is structured on the Life! M250 modular basis for delivery of essential services including housing, agriculture & sustenance, water, clean energy, mobility, healthcare & tourism. Each module is structured on a commercially viable basis that creates 250 jobs with accredited evergreen skills development and high impact commercial essential services output on a net-zero energy platform.

Super Village is operated on the Life! M250 model that provides high impact commercially viable output of essential services.This provides the platform to attract commercial and sustainable philanthropy investment that creates employment, skills development and attractive commercial returns on investment. A baseline M250 module requires a circa US$ 10 m investment that creates 250 sustainable jobs with a + 15% targeted investor IRR. A mini M25 module requires circa US$ 1 m investment with 25 sustainable jobs created.

Modular business units (MBUs) delivering essential products, services & local jobs. M250 enables Blitzscaled deployment fully adapted to local & regional drivers. It includes turn-key citizen career advancement with full business inclusion. MBU classes include agricultural, water, energy, housing, health & hospitality. M250 entrenches evergreen, fully accredited training, stipend & profit share for M250 Members. The MBUs generate commercial scale output of products & services. MBUs are powered by the M250 platform headed up by former #1 smart nation CIO. The platform incorporates a 3rd gen IoT payment gateway, military grade security, smart-contracting, trade & tax, certificate of origin, KYC, advanced Agri-tech and the Revolution e-learning platform.

• 250 permanent sustainable jobs including profit share
• 13 000 people provided with sustenance (M250A01)
• 70 000 people provided with water & sanitation (M250W01)
• 1 250 people provided with housing (M250R01)
• 5 600 people provided with green electricity (M250P02)
• 250 learnerships with evergreen, fully accredited education
• Community services including Life-Uni & ECD
• Local participation EPC contractors, partners, tribes & land-caretakers

• M250 business unit applications through life250.org
• M250s allocated based on qualifying criteria & funding supply
• M250s unit registration through the M250 Digital Securities Vault (MDV)
• Unit funds are allocated and transferred to the MDV 
• Local partner applications/tenders, selections & registration on the MDV 
• Local community member applications 
• M250 members selected based on qualifying criteria and registered on the MDV
• Project phase 1: EPC partner planning, contracting, project plan & budget (6 months) 

MDV is a military grade Digital Asset Vault securing M250 Assets

One of the biggest challenges with regards to UBI and climate change initiatives (i.e. Green New Deal), is the funding thereof. Funding by means of increased taxes (VAT, Fuel-Levy, carbon-tax, personal income tax, super-wealth tax, luxury-goods, property, capital gains & other) is an outdated concept and highly unpopular. The gilets jaunes (yellow vests) movement in Europe is a good example. Modern Monetary Theory (MMT) also has inflationary risks, that significantly increases if not done in a disciplined structure. As the global reserve currency, the inflationary risks of MMT are more manageable in the United States. Zimbabwe is a good example of MMT gone wrong. Mature stage UBICS enables CBDCC (Central Bank Digital Currency Capital). consensus currency funding via a global social dividend, underwritten by the world’s most trusted institutions on a totally equitable basis, in a non-inflationary, debt free manner. It doesn’t require a Harvard summa cum laude degree in economics to understand that UBICS is not optional. It simply requires common sense, Even Greta Thunberg, the 15-year-old Swedish activist understands that the outdated Global Financial System (GFS) requires an update. CBDCC is an extension to the current GFS system, enabling a dynamic fix to all the major challenges.

UBICS is endorsed by Andrew Stern, President Emeritus of the 2.2 million-member SEIU. Stern is a Senior Fellow at The Economic Security Project, a basic income initiative, co-chaired by Chris Hughes, co-founder of Facebook. UBICS has extended teaming invitations to all global basic income pilot projects and political supporters including Canada (Ontario), Spain (B-MINCOME Barcelona), Kenya (Give Directly), India, Netherlands (Utrecht, Groningen, Tilburg & Wageningen), Scotland (Edinburgh, Fife, Glasgow & North Ayrshire), Finland (Finnish Government, Kela, University of Turku), United States (City of Stockton / Economic Security Project), Andrew Yang (US 2020 presidential candidate) and Alexandria Ocasio-Cortez (Member of the United States House of Representatives & basic Income & Green New Deal supporter). UBICS is highly complimentary to all locally driven basic income initiatives in addition to initiatives such as the Green New Deal & MMT (Modern Monetary Theory). It enables funding or partial funding of local initiatives through CBDCC (Central Bank Digital Currency Capital), in a non-inflationary, globally equitable, debt free manner.

Prominent basic income advocates include Mark Zuckerberg, Elon Musk, Richard Branson, Johann Rupert, Alexandria Ocasio-Cortez and Andrew Yang. Other basic income supporters include Milton Friedman, American economist who received the 1976 Nobel Memorial Prize in Economic Science and Martin Luther King. Andrew Yang, American entrepreneur, politician, philanthropist, the founder of Venture for America (VFA), and a U.S. 2020 Democratic presidential candidate, proposes a “Freedom Dividend” of US$ 1 000 per month for every American adult aged 18–64. Yang believes UBI is a necessary response to the rapid development of automation that is leading to workforce challenges.

Climate change is out of control with ever increasing global catastrophes (i.e. California fires), super storms, coral bleaching and disappearing insects & ice caps. Pollution – microplastic and Armageddon dead zones such as the Nigerian delta where fishing villages can no longer fish for a living. Over 1.4 billion people are living under the poverty line of US$ 1.90 per day. The Gilets Jaunes (Yellow Vest) protests and violence against increased green-taxes clearly shows the dilemma within the current financial system to address climate change within an environment of austerity and unsustainable debt. Desperate migrants fleeing to Europe or the US, creating growing populism. Unsustainable debt is creating austerity, low growth and global depression. Student debt in the United States now over US$ 1.5 trillion. Graduates are now indebted & enslaved for life, unable to qualify for a home loan. The construction and other business industries are directly affected creating less spending and less tax-collection for government. Debt-slaved citizens are becoming angry fuelling neo-fascism, intolerance populism. Africa only emits 5% of the CO2 emissions per capita as compared with 1st world citizens yet endure the full impact of climate change & pollution within a financial-Apartheid system. Trillions have been printed in the US, Europe & Japan to bail out big business and vested interest groups, without any positive impact on the general population who have simply degenerated further, unable to provide for themselves or their families.

The Marikana (2012) and Modikwa (2018) tragedies are the result of desperate communities demanding improved service delivery and employment. The sustainability of the mining industry is under threat in South Africa with ever increasing risks and the fabric of society under threat due to unemployment, low investor confidence, mine austerity measures and escalation of violence. South African citizens are getting angry, unproductive political rhetoric is increasing with empty promises to its constituents, with no concrete structural fix to address the overwhelming problems of inequality, unemployment, drugs, gangs, violence, unsustainable debt, imploding health care and poverty. The UBICS programs provide commercial service delivery through UBICS 2, in addition to government funding through UBICS 4. UBICS 2 commercial service delivery includes water, food, energy, education, health & transport with regional flexibility to enable cash dividend of unused funds to enable a higher cash dividend in more developed regions, countries or cities. U2 includes U2Power, the most dynamic, effective and direct way to address climate change through investment in clean new technologies.

UBICS enables dynamic funding of UBICS programs, evolving from philanthropy & sponsorships of pilot projects, to traditional government funding (debt or QE), to mature stage consensus currency (regional with ultimate evolvement to global). CBDCC (Central Bank Digital Currency Capital) consensus currency is the most dynamic, stable and secure new asset class, with the core value pegged to IMF SDR, converted to local currency at central bank level for transfer to citizen, company & government commercial bank accounts. CBDCC is issued by the world’s most trusted institutions on a country, regional and global basis. The UFS (Union Fee Schedule) enables payment for citizen benefit delivery fees including bank & ICT charges with zero erosion of benefits.

UBICS is a complimentary extension to the global financial system. It provides the fertiliser enabling real growth of the economy from grass roots level. It addresses problems at the core whereby there is not an indiscriminate printing of money, that doesn’t reach its intended destination, but rather a dynamic, highly structured, globally coordinated, equitable distribution of money, whereby citizens benefit directly. It is a quantum leap in the development of humans and the 1st step towards repairing the damage done, due to decades of unsustainable practices. UBICS addresses poverty, global growth, pollution, climate change, migration, unsustainable debt and populism at the core. CBDCC funding is a financial instrument that enables a global fix to the major challenges, with a deeply positive impact on all sectors including mining, education, sports & entertainment, health, energy, transport, construction, agricultural, tourism, banking & financial, IT & telecoms. The 4th Industrial Revolution will inevitably wipe out most repetitive human work. UBICS enable humans to welcome 4IR and take a quantum leap in civilization, leaving behind outdated thinking and systems. It is a fully inclusive approach that enables healing of all Global Citizens and the planet.

The implementation of UBICS is a quantum leap forward for Africa, a continent that has been plundered and neglected for decades. It enables Africa to transform to a 1st world economy, no longer accommodating the outdated systems, that entrenched Africa into a culture of poverty, begging and 2nd class world citizenship. Africa can now implement world class transport systems including long distance bullet trains connecting African wonders & attractions such as Table Mountain, Vic Falls, Serengeti, Ngorongoro Crater, Giza Pyramids and its vast beauty of landscape & people, enabling vibrant, rich, diverse, cultural tourism experiences, replacing the distastefully, polluted, begging-culture experiences caused by outdated systems and thinking. UBICS enables the emancipation of Africa and the end of an outdated, aid-based, exploited cycle that keeps Africa on its knees, enslaved in a pointless, polluted, corrupt, impoverished, crime-ridden environment.

Money should be a tool of convenience to enable the maximum sustainable utilization of resources.

Jaque Fresco

People always ask me:

“How much does it cost to build these new cities?” 

The question should be:
“Do we have the resources to do it?” 

That’s a question not: ” How much does it cost?” 
That’s the old question. 

Even Greta Thunberg, the 15-year-old Swedish activist understands that the current Global Financial System (GFS) is not working. Climate change is out of control with ever increasing global catastrophes (i.e. California fires), super storms, coral bleaching and disappearing insects & ice caps. Pollution – microplastic and Armageddon dead zones such as the Nigerian delta where fishing villages can no longer fish for a living. Over 1.4 billion people are living under the poverty line of US$ 1.90 per day. The Gilets Jaunes (Yellow Vest) protests and violence against increased green-taxes clearly shows the dilemma within the current financial system to address climate change within an environment of austerity and unsustainable debt. Desperate migrants fleeing to Europe or the US, creating growing populism. Unsustainable debt is creating an austerity, low growth environment with student debt in the United States now over US$ 1.5 trillion. Students are now indebted & enslaved for life, unable to qualify for a home loan. The construction and business industry are directly affected creating less spending and less tax-collection for government. Debt enslaved citizens are becoming angry fuelling neo-fascism, intolerance populism. Africa only emits 5% of the CO2 emissions per capita as compared with 1st world citizens yet endure the full impact of climate change & pollution within a financial-Apartheid system. Trillions have been printed in the US, Europe & Japan to bail out big business and vested interest groups, without any positive impact on the general population who have simply degenerated further, unable to provide for themselves or their families. 

Blockchain technology has super potential but Crypto or Bitcoin in itself is unable to address the global challenges. The major underlying issue is TRUST, whereby none of the major financial institutions or countries are underwriting or backing these crypto assets. General Crypto challenges include volatility, ease of use and speed. The fact that crypto as an asset class increased to almost US$ 1 trillion in value from zero in a very short space of time before crashing down again, is an indication of the potential and the challenges of crypto. Venezuela is another good example that although crypto has the potential to solve some challenges as compared with Fiat currency, it is simply not able in itself to solve all the global challenges.

Combine the following:
✓ A trusted, dynamic, multifaceted, financial instrument complimentary to the current Global Financial System (CBDCC)
✓ Regional wholesale consensus currency/asset class underwritten and supervised by the world’s most trusted institutions. (BRICS governments & NDB) with the evolution to global consensus currency (IMF/UN)
✓ Use the most stable global currency/asset class valuation – IMF SDR pegged value. (CBDCC – Central Bank Digital Currency Capital)
✓ Equitable, dynamic distribution of benefits to citizens as a global social dividend within a defined set of basic deliverables, supervised by the world’s most trusted institutions.
✓ Provide the standard regional/global social dividend as a capital distribution without the encumbrance of debt.
✓ Incorporate delivery fees including bank & ICT charges into a Union Fee Schedule that regulated delivery fees and charges that are paid as additional issue of CBDCC without erosion of benefits to citizens.
✓ Multiple, dynamic programs that adapts to region, country & city specific needs seamlessly. (UBICS 1-4)
✓ Enable programs to incorporate delivery of essential services & products such as water, food, energy, housing, education, health and transport commercially by the top global companies. (UBICS2)
✓ Provide a capital shore-up program in partnership with the banks that enables home ownership, land reform or relief from student debt. (UBICS 3)

✓ Include government funding program enabling full public & private leverage for delivery of essential services to citizens. (UBICS 4)
✓ Incorporate an urgent direct climate change intervention program that addresses climate change at the core. (u2power.org)
✓ Enable dynamic, seamless, regional adaption of programs on the same core principles, whereby unused regional/country/city project funding can be converted to a citizen cash dividend (enabling developed citizens to increase basic income and less developed cities to apply funding for essential infrastructure & services).
✓ Utilise the best technology on an open, integrated platform that enables the full inclusion of the top technology companies on a regional basis. (including Ai, Distributed Trust, Digital Currency Systems, Blockchain, KYC Biometrics, GSTN Tax, Trade & Procurement – UBITRUST)
✓ Enable full inclusion of the banking & financial services sector (KYC vetting of customers, distribution of benefits and supplementary financial services including loans & insurance – UBIFIN)

CBDCC is a global social dividend to all citizens with ownership transferred to citizens, either directly via cash transfer (U1/U3 or dividends from unused U2/4 program funds) or through benefits delivered of essential infrastructure and services, either delivered commercially (UBICS 2) or through government (UBICS4).

8.6% of people owns almost 90% of all the world’s wealth. For over 90% of the population, UBICS will have a significant direct impact in improving the quality of life. For the 1.4 billion living under the poverty line of US$ 1.90 per day, the impact will be life-changing. For the 10% that don’t really need additional money, it is neither here nor there. The bottom line is that UBICS will have a significant positive impact on 90% of the population. From a global wellness perspective, the positive impact affects 100% of the global population through addressing global challenges at the core including climate change, poverty, crime and pollution. The administration, red-tape and subjective issues to find qualifying beneficiaries, is a completely outdated concept.

CBDCC is a non-inflationary, debt free funding mechanism. CBDCC is issued and underwritten by the world’s most trusted regional and global institutions, with a valuation pegged to the IMF SDR. It is the equivalent of digital gold, enabling it to be one of the world’s most stable asset classes. This is in contrast to assets such as Bitcoin that is highly speculative, volatile and not dynamic in terms of equitable distribution of benefits.

UBICS and CBDCC enables the largest boom in the financial services sector, in the history of mankind. The banking risk is once again under significant risk of a credit bubble burst including the corporate bond market and unsustainable citizen debt including student loans at over US$ 1.5 trillion. The global financial crisis (GFC) combined with austerity and slow growth, created zombie banks where the economic net worth less than zero and they are only able to continue to operate due to government credit support, without making a real contribution in terms of banking sector services to the economy. UBICS enable zombie banks to address structural problems and enable banks to contribute in terms of essential banking services to the world economy. The UBICS programs enables every citizen on the planet to be a viable financial services prospect.

CBDCC is engineered to be issued and supervised by the world’s most trusted institutions such as the BRICS/AU governments and banks such as NDB on a regional basis and by the IMF, UN, BIS, SWIFT & large investment banks on a global basis. The CBDC Union who regulates the Unions Fee Schedule inclusive of all the delivery fee structures and regulations. Ownership is reserved for the world’s most trusted institutions involved in the issuance of CBDCC.

The empirical test results in the Indian & Kenyan pilot projects are overwhelming. Rather than becoming lazy or increase spending on drugs or alcohol as some would expect, the exact opposite is true. Welfare, nutrition, sanitation, schooling, productivity and health improved.

The impact of 4IR (4th Industrial Revolution), including automation and AI, will inevitably wipe out almost all repetitive human jobs, taking job-losses to completely new levels. The UBICS programs has a phenomenal positive impact in creating sustainable, creative jobs whilst ensuring there is a stable platform for everyone. It also enables universal health care and education for all citizens funded through CBDCC. The fastest growing class globally is the PRECARIAT, an existence without predictability or security, affecting material or psychological welfare. The growing numbers of PRECARIAT is driven to populism & neofascism. UBICS addresses these problems at the core.

Highly successful basic income trials have been conducted in India and Kenya. The major challenge for UBI initiatives is funding to enable bulk, universal deployment. CBDCC enables non-inflationary, debt free funding of UBI. UBICS extended an invitation to Give Directly/Google.Org to become a global Super Village teaming partners, for purposes of identifying pilot project sites and vetting of beneficiaries during the pilot phase to ensure that benefits are distributed to the most economically vulnerable citizens. The UBICS united global UBI teaming platform enables fast-tracking, critical mass, resource & info sharing, standardization and global Blitzscaling of universal basic income. UBICS has extended teaming invitations to all global basic income pilot projects including Canada (Ontario),Spain (B-MINCOME Barcelona), Kenya (Give Directly), India, Netherlands (Utrecht, Groningen, Tilburg & Wageningen), Scotland (Edinburgh, Fife, Glasgow & North Ayrshire), Finland (Finnish Government, Kela, University of Turku), United States (City of Stockton /Economic Security Project), South Africa (UBI South Africa urgent intervention for UBICS 1
between 2020-2024) and BRICS (UBICS 1 regional proposal for Brazil, Russia, India, China &
South Africa).

The UBICS ICT engine, Ubitrust, is structured in a modular, open manner, enabling the adoption of the best peer-review technology and solutions, within a structure that enables OEM licensing of the best technology/solutions. The model enables the ultimate leverage and maximization of ICT technology/resources of all the top ICT companies, royalties for OEM licensing of software/solutions and protection of market share. Ubitrust is a modular, Ai powered, open, inclusive, delivery engine for the UBICS programs, utilising the best-inclass technology on an open, evolutionary platform. Technology companies invited to participate in the Super Village pilot projects include Amazon, Apple, Microsoft, Alphabet, Facebook, Alibaba, Tencent, Samsung, Cisco, Intel, Oracle, SAP, IBM, Softbank, Foxconn, HP, Baidu and Infosys. Mobile operators invited to participate as UBICS partners include China Mobile, Vodafone, Bharti Airtel, America Movil, Telefonica, China Unicom, MTN, China Telecom, Reliance Jio, Telenor, VEON, Deutche Telekom, Verizon, AT&T, Softbank and Econet. The Ubitrust structure incorporates specialist technology companies providing system specifications, standardization, ICT advisory & supervisory, software/systems testing, peer-review evaluation & benchmarking, integration, OEM licensing and interactive communication with all ICT partners. Specialist functions include fintech, artificial intelligence, KYC systems, biometrics, digital currency systems, blockchain, mobile payment, procurement, IoT, tax/customs and trade.

UBICS enables dynamic, multi-layered security that provides the highest level of confidence in the delivery of benefits to citizens in accordance with the CBDC Union basic parameters and requirements. Ubitrust incorporates the latest technology including Ai powered command & control, KYC biometrics, multi-block wholesale multi layered currency distribution, Blockchain, distributed trust, GSTN Tax/Customs, SmartTrade and SmartProcurement. ICT technology is developed by the top global ICT companies on a standardised platform with regional customization and delivery partners on an open platform. System and project verification/auditing incorporates 2 of the big 4 accounting firms (PWC, Deloitte, EY & KPMG) in main & supervisory capacities in addition to the built in technology & systems security layers.

UBICS enables the Blitzscaling of sustainable capitalism. The platform is set for commercial partnerships and impact investment with the best in class partners. Investment focus is quality driven towards the right decisions, regionally adaptable for regional/country/city specific requirement, with built in peer-review profit margins on a fully transparent platform.

The Super Village pilot projects target an effective 85% benefit flow through to citizens during the pilot phase, powered by philanthropy funds and sponsorships. UBICS extended an invitation to Give Directly and Google.Org as global Super Village teaming partners, for purposes of identifying pilot project sites and vetting of beneficiaries during the pilot. Super Village pilot projects are targeted in all 195 countries, enabling regional testing and benchmarking of systems, technology and delivery partners in each city.

UBICS has proposed the urgent, interim implementation of U1 (basic income) for South Africa funded through traditional financial instruments. Deployment on an escalating basis from US$ 50pm in 2020 to the mature targeted US$ 250 pm by 2024, prior to full global deployment of all UBICS programs by 2025. The impact of UBICS 1 will transform South Africa into a vibrant, productive society with a GDP growth of 20% in 2020, 17% in 2021, 15% in 2022, 13 % in 2023 and 12% in 2024. Debt Funding Model (6.8% US$ based interest rate): Debt to GDP is set to increase from 53% in 2020, peaking at 90% by 2024, before coming down to 60% by 2030 with the introduction of full level 1 CBDCC funding from 2025. This is acceptable in a stable democracy with rich resources and large growth opportunities. Comparative Debt: GDP Japan (238%), Greece (182%), Italy (132%), EU (87%), US (79%), Ghana (72%), India (71%) and China (47%). Ref: Attachment A1

Climate change and pollution must be addressed as an urgent, global intervention. Well intended programs such as the UNFCC Clean Development Mechanism, are not able to address climate change at the pace required to avoid a complete global climate change catastrophe. CDM challenges include:
• the complexity of approval, implementation, monitoring & maintenance.
• volatility of carbon credit pricing & the carbon market.
• lack of global co-operation by countries such as the United States or countries reliant on fossil fuel wealth.
• Citizen resistance to price increases to fund more expensive renewable energy sources, within an austerity environment with low wage growth, unemployment and unsustainable consumer debt
• high investor risk due to time lags, compliance requirements and volatile carbon pricing.

The Gilets Jaunes (Yellow Vest) protests and violence against increased green-taxes clearly shows the dilemma within the current financial system to address climate change within an environment of austerity and unsustainable debt. Citizens are unable to cope with increased green-taxes to fund investment/conversion to renewables. U2Power addresses climate change at the core in the most direct and effective manner, in addition to providing citizens with savings, a sustainable planet and creating additional jobs and prosperity. U2Power addresses the great African-injustice & exploitation, only emitting 5% of the CO2 emissions per capita as compared with 1st world countries, yet suffering the full global impact of climate change, pollution and poverty within a Financial-Apartheid system.

The standard UBICS structure enables the bulk of revenue from projects for delivery fees (90%) to flow through to delivery partners i.e. ICT partners. UBICS program including UBICS, Ubitrust, CBDC Union, Ubifin & Super Village, all have the potential evolve into an Amazon/Apple super-sized commercial companies. CBDC Union management & ownership is reserved for regional and global issuers of CBDCC including BRICS, NDB, IMF, UN, EU, BIS & SWIFT. Working capital for global deployment of UBICS will be raised through equity placements in the various UBICS entities.

UBICS full pack

UBICS South Africa

UbiTrust is an inclusive, open, platform at the core of the UBICS & CBDCC delivery. The UbiTrust Fintech platform incorporates several Super-Tech components that enable a strategic global product advantage with no other equal currently on the market. UbiTrust is powered by AMARIS, a deep tech company headquartered in Singapore, founded by James Kang, former Singapore government CIO, who spearheaded Singapore to No.1 SmartNation. The Amaris team consistently rank in the top 2% globally in the Olympics of data science and have developed several outstanding Super-Technology products in process of tech-patent registration. All top global ICT companies have been invited to participate in the delivery of the UBICS programs on a regional, country and city specific basis.