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Cornerstone Banking is a fintech start-up to provide accessible, affordable, non-discriminating and highly secured financial services for the unbanked and underbanked globally.  Our solution is highly secured by leveraging on the security features offered by the distributed ledger technology (DLT) or blockchain.


For consumer banking, we cater to both the unbanked and underbanked.  As for business banking for SMEs, we cater to the unbanked.



To improve lives of individuals and unlock the economic potentials of SMEs globally by levelling the playing field and creating equal opportunities for all to access financial services. 



To achieve financial inclusion for the unbanked and to make available more financial services for the underbanked.  Borderless, localized and seamless financial services made possible by leveraging on the best of breed technologies. 



Every user or customer of Cornerstone Banking is given the opportunity to own a part of the company by converting their points to tokens and tokens can be converted to equity shares of the company. 


Every user or customer will be awarded with points for each chargeable transaction, such as remittances, money transfers and online bill payments.  The amount of points awarded will be tied to the value of the service charges paid by every user or customer.  The points accumulated by every user or customer will be used as a form of credit rating or as a collateral for loans in due course.


Deposits will enjoy higher interest rates than traditional banks and interest rates for loans will be lower than traditional banks.  


Our solution will be highly accessible via our online banking Website, our “URBanked” mobile app, convenience stores and other reputable retail establishments.


“URBanked” Mobile App

The “URBanked” mobile app is not just an e-wallet for cashless transactions, it also serves as a localized user profile/identity verification, together with available offerings of financial services and a dashboard of financial health, such as tracking of liquidities, assets and liabilities.