Universal Pensions (previously pinBox Solutions) is the only global PensionTech committed exclusively to supporting digital micro-pension inclusion for self-employed women and youth in developing countries. We provide a turnkey solution for designing, building and deploying inclusive micro-pension solutions at scale. 

We use our micro-pension technology platform, process innovation, retirement literacy tools and a simple and intuitive user interface to address friction, access and behavioral challenges in delivering micro-pensions to underserved informal sector workers and to make retirement security and risk management easy and simple. For everyone. Everywhere. 

The pinBox white-labelled and ready-to-deploy micro-pensionTech platform uses secure APIs to leverage the existing digital ID, finance and payments ecosystem to help "switch-on" an inclusive social security marketplace. In any country. Within a few months. And at a near-zero start-up cost. 

We provide pensionTech and technical assistance to governments and regulators seeking to expand pension and insurance coverage to non-salaried workers. Pension funds, AMCs and insurers use the pinBox platform and financial literacy tools to directly deliver small-ticket pensions, savings and insurance products to vulnerable populations whom their agents and traditional distributors are unable to reach or service. Credible grass-roots organizations, social techs and MSMEs use our platform to offer an affordable and secure social protection solution to their clients, members and employees.

In 2018, pinBox assisted the Government of Rwanda to launch Africa's first fully digital, government-sponsored micro-pension and micro-insurance scheme that already has over 1.5 million voluntary subscribers who have collectively saved nearly RwF 25 billion for their old age. We're presently working in Kenya, Singapore, Uganda and India, and are also launching operations in Latin America

pinBox Solutions

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