Adulting. Simplified.

UCAP—short for Universal Credit Application Profile—is a secure digital Profile that lets you store, manage and reuse the information typically requested for applications. Instead of filling in the same forms over and over, you simply share your UCAP Profile whenever you need it.

For Consumers
Create your UCAP Profile once, verify it when you're ready, and securely share exactly what you need whenever life asks for it.

For Businesses
Reduce application drop-offs by removing repetitive identity collection from your onboarding journey. Embed UCAP into your existing process with simple APIs and customer-controlled data sharing.

ucap ( for consumers )

Stop re-filling the same forms.

Three steps. Then never again.

step ( 01 )

Unlock your profile

Add your identity, income and address details once — everything is then securely stored in your UCAP Profile.

step ( 02 )

Verify your identity once

Your UCAP Profile is free to create and use — with or without verification. Whenever you're ready, a one-time R49 identity check against Home Affairs adds a verified badge to your Profile, helping you move through future applications faster as more providers connect to UCAP.

step ( 03 )

Share in one tap

When you need it, simply approve what you want to share. Your verified details are sent instantly — no re-typing, no re-uploading.

Never fill out another application form again.

1 / 4

the problem

Same forms. Different day.

Why does every car purchase, rental application, cellphone contract and insurance quote still make me fill in the same forms. Every. Single. Time.

With UCAP, you don't have to anymore.

1 / 3

Built around you

Build your UCAP Profile once

Create your UCAP Profile once, then never fill in the same application details again.

Share your UCAP profile in less than a minute

Simply sign in, select 'Share your Profile', choose what you'd like to share, enter the recipient's contact details, and send it securely — all in under a minute.

Nothing is shared without your consent

You decide what gets shared, who it's shared with, and when. Nothing leaves your Profile without your approval.

1 / 3

Add a verified badge to your profile

Your UCAP Profile is free to create and use — with or without verification. Whenever you're ready, a one-time identity check against Home Affairs adds a verified badge, making it easier for providers to trust the identity you're sharing.

Free to create and use · verification R49 once-off

ucap ( for businesses )

Customers don't abandon products. They abandon forms.

From form fatigue to one call

step ( 01 )

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.Source: Forbes Finance Council, 2022 →

step ( 02 )

Consumer builds once

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

step ( 03 )

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.

step ( 04 )

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.

One API call. The consumer never leaves your flow.

1 / 5

Your peers are in active discovery.

If this works the way you're describing, it changes our onboarding economics.

Product Lead, Insurtech · Discovery conversation

This is exactly the friction we've been trying to solve internally for years.

Head of Digital, Retail Lender · Discovery conversation

You guys are doing this with or without us, aren't you.

F&I Manager, Dealership group · Discovery conversation

You're on to something big here.

Board Member, REBOSA · Discovery conversation

1 / 4

Why partners embed UCAP

Recover up to 60% of abandoned applications

Verified customer information arrives structured and ready to use, reducing re-submissions, manual checks and onboarding friction.

Built for POPIA compliance

Every data share is consumer-approved, time-stamped and fully auditable, giving you a clear record of consent from request to submission.

Your customer. Your brand.

UCAP is fully white-labelled, so customers stay in your experience while you remove onboarding friction behind the scenes — keeping your brand front and centre throughout the journey.

1 / 3

Secure by design

API-first by design

UCAP is built for secure, scalable integrations, making it easy to connect to your existing systems without manual document handling or duplicated customer data.

Complete audit trail

Every customer approval and data share is securely recorded, giving your teams a clear audit trail of who shared what, with whom and when.

Consent-first by design

Customers stay in control of their information. Every data share requires explicit approval, is limited to the requested information, and is fully aligned with POPIA's principles of consent and data minimisation.

1 / 3
NORTH & KEY

Powered by UCAP