FICA-grade submissions in 30 seconds

Customers don't abandon products.
They abandon forms.

7 out of 10 customers never make it past the form. UCAP lets consumers securely share verified identity, income, address and compliance information in under 30 seconds — helping you reduce friction and recover up to 60% of lost applications.

Book a demo See how it works

Live with consumers today · piloting with select partners now

UCAPConsent request

Equity Bank requests

Mortgage pre-approval

✓ Verified identity (Home Affairs)

✓ Income proof (Open Banking)

✓ Proof of address

Shared for 30 days · revoke anytime

Approve & share

Not now

In active integration discovery across

Vehicle financeHome loansSIM registrationMedical aidInsuranceFibre setupLease applicationsEmployment onboardingVehicle financeHome loansSIM registrationMedical aidInsuranceFibre setupLease applicationsEmployment onboardingVehicle financeHome loansSIM registrationMedical aidInsuranceFibre setupLease applicationsEmployment onboarding

The stat

7 in 10

applications are
never completed.

That's infrastructure failure — not consumer behaviour. Demand is already there. The process is what breaks it.

Source: Forbes Finance Council (2022) →

The real issue

The issue is not acquisition. It is completion.

Customers are not dropping off because they lack intent — they drop off because onboarding introduces too much friction at the moment of conversion. Every abandoned application represents demand that already existed, but never converted.

The system problem

Optimised to collect information — not to complete customers.

Across most onboarding flows, customers are required to repeatedly:

↻Re-enter the same identity fields for every application

↻Re-upload the same documents to every provider

↻Wait for manual verification, then repeat next month

↻Explain themselves again to the compliance queue

The solution shift

From fragmented onboarding to instant completion.

Before UCAP

✕Customer starts an application excited

✕Uploads ID, payslip, proof of address — again

✕Waits days for manual verification

✕Bounces mid-flow, never converts

✕You pay CAC on someone who never completed

After UCAP

✓Customer taps 'Apply with UCAP'

✓Approves exactly what to share in one prompt

✓Verified identity + income + address arrive instantly

✓Your team reviews clean, source-verified data

✓Application completes inside your flow — in under 60 seconds

How it works

One API call. The consumer never leaves your flow.

Consumer builds once

A FICA-compliant profile — identity, income, address — verified through Home Affairs (VerifyID), Open Banking and trusted issuers.

You request via one call

A single REST request, scoped to exactly the data your application requires. You receive only what you ask for — nothing more.

Consumer approves

A real-time consent prompt on their device. Verified data and a full audit trail are released — and they stay on your platform throughout.

Drop in on any page

<script src="https://ucap.africa/embed/button.js" async></script>

<button data-ucap-apply
        data-ucap-product="prd_vehicle_finance"
        data-ucap-client="pub_live_xxx">
  Apply with UCAP
</button>

Get up and running in minutes with a simple REST API. See the full flow →

Want it mapped to your application flow?

A 20-minute call. We'll show you the exact integration for your highest-drop-off product.

Book a demo

Customers don't abandon products.They abandon forms.