Royal Seal

United Bank of Innovation TR.

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

Overview

The United Bank of Innovation TR. (UBI) is a sovereign banking institution (EIN 98-61****) established by Sovereign Decree No. 2025-001, dated January 10, 2025, 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 98-1929***), with authority to conduct banking, financial services, and commercial activities in furtherance of the Kingdom's economic sovereignty.

The mission of UBI is 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.

Financial Products

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

Leadership

UBI is governed by officers appointed by and serving at the pleasure of the Princess Regent. All loan approvals and strategic decisions require the Regent's direct authorization.

Katrina K.

Chief Visionary Officer

Vince Merolla

President

Bernie Annor

Chief Legal Officer

Cortney Dawson

Chief Communications Officer

Roadmap

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. 2026-774 establishing the KKSWF.

UBI operates as a subaccount under the KKSWF. All assets, liabilities, and operations are subject to the oversight of the Sovereign Wealth Fund and the Princess Regent.

Inquiries

For banking inquiries, contact legal@kissikingdom.com