Structured Cooperative Network
Where Collective
Discipline Creates
Lasting Wealth
Unity Point Circle Limited transforms disciplined savings into high-yielding, long-term prosperity through structured cooperative investment.
UPCL
360°
5%
Fixed Annual Interest
Guaranteed return on contributions
100%
Transparent Ledger
Immutable transaction records
3
Pillars of Growth
Savings · Credit · Investment
What We Do
A Progressive Network Built on Financial Discipline
Capital & Assets
5% fixed interest structure backed by a strict legal framework
Agribusiness
Harmony Estate farm site driving commercial agribusiness
UPCL 360 App
Centralized member management and real-time portfolio tracking
Governance
Institutional compliance via Stanbic Bank corporate framework
How It Works
Three Pillars of Collective Growth
01
Regular Contributions
Members make structured periodic deposits tracked on an immutable ledger, building a strong savings foundation.
02
Credit Access
Collateral-backed credit lines available to members with good standing, enabling developmental and emergency liquidity.
03
Investment Yields
Pooled capital deployed across approved investment vehicles with pro-rata yield distributions back to members.
Secure Access
Access Your Portal
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