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What is UCBI?

February 16, 2026
•
4 min

UCBI Banking is a DeFi infrastructure project that combines traditional banking functions, such as payments, liquidity access, and structured financial products, with blockchain-native mechanics: staking, DAO-style governance, and tokenized financial instruments. The platform is built around the UCBI token, with an architecture designed for reliability, growth, and transparency. 

What Is The UCBI Token?

UCBI is the native token associated with the UCBI Banking ecosystem. It runs on the Ethereum network as an ERC-20 asset, which means it’s compatible with standard ERC-20 wallets and common DeFi tools. It facilitates transactions and enables participation across the platform’s features. 

What Does UCBI Do?

UCBI Banking focuses on bringing tokenized finance and on-chain settlement into practical financial workflows. The ecosystem emphasizes three areas: 

  1. Treasury-led liquidity and sustainability (via UTF);
  2. Tokenization of financial instruments;
  3. Cross-border value movement using blockchain rails. 

Where compliance is required, KYC/AML can be implemented through application-level and access-control mechanisms.

Token Parameters 

  • Market cup: $7.75M
  • FDV: $15.85M
  • Total / Max supply: 12,000,000 UCBI
  • Holders: 135

How Do People Use UCBI?

Users regularly interact with UCBI within the UCBI Banking ecosystem. Depending on how the ecosystem is used, people engage with it in the following ways:

  • Use it for activity inside the platform: using UCBI as part of settlements and interactions.
  • Hold or stake it for rewards: locking UCBI to earn incentives and take part in staking programs as they’re offered.
  • Participate in governance processes: contributing to decisions through token-based voting models.
  • Unlock access: using token ownership as a way to unlock certain features, products, or participation tiers within the ecosystem.

UCBI Treasury Fund (UTF)

The UCBI Treasury Fund (UTF) serves as the long-term support mechanism for the UCBI ecosystem, built around Ethereum’s security and scalability. It is designed to deploy treasury-managed capital within Ethereum’s DeFi ecosystem, prioritizing transparent fund activity, yield generation, and liquidity management. 

Now listed on Tothetoon

UCBI is now available for trading on Tothemoon, giving users a direct venue to access the UCBI market without relying on fragmented routing.

Trade UCBI on Tothemoon – search for UCBI, confirm the contract address, and place your order.

Risk Disclosure Statement

The information provided in this article is for educational and informational purposes only and should not be construed as financial, tax, or legal advice or recommendation. Dealing with virtual currencies involves significant risks, including the potential loss of your investment. We strongly recommend you obtain independent professional advice before making any financial decisions. The products and services offered by Tothemoon may not be suitable for all users and may not be available in certain countries or jurisdictions. The promotional materials do not guarantee any specific outcomes or profits from virtual trading. Past performance is not indicative of future results. It is important to read and understand the risks, which are explained in our Risk Disclosure Statement

Katya V.

Katya is one of Tothemoon's skilled content managers and a writer with a diverse background in content creation, editing, and digital marketing. With experience in several different industries, mostly blockchain and others like deep tech, they have refined their ability to craft compelling narratives and develop SEO strategies.