Shaping the Future of Global Money Flows

In the dynamic world of finance, UniLedger emerges as a pioneering fintech startup poised to revolutionize the way value is exchanged across borders. A spin-off of LAB9/23, an innovation fintech powerhouse, UniLedger harnesses the transformative power of blockchain technology, distributed ledger technology (DLT), and shared ledgers to streamline and enhance financial processes, setting the stage for a more transparent, efficient, and secure global financial landscape.

Lab9/23

LAB9/23 Holding – Fintech Innovation Powerhouse
LAB9/23 Holding is a visionary fintech R&D pre-seed holding company that is pioneering the future of finance with its groundbreaking innovations in distributed ledger technology (DLT), shared ledger, and AI. Established on September 23, 2023, during the autumn equinox, LAB9/23 Holding embodies the principles of balance, equality, and justice, mirroring the significance of this pivotal celestial event.

A Legacy of Innovation
LAB9/23 Holding's establishment coincides with the founding of Saudi Arabia on September 23, 1932, a testament to the company's deep-rooted connection to its homeland. Drawing inspiration from Saudi Arabia's rich heritage and unwavering pursuit of progress, LAB9/23 Holding is committed to shaping the future of finance through its transformative technologies.

A Commitment to Global Impact
LAB9/23 Holding is driven by a profound commitment to global impact, aiming to revolutionize the financial landscape worldwide. The company's innovations hold the potential to enhance financial inclusion, promote economic growth, and foster a more transparent and equitable global economy.

LAB9/23 Holding's journey is just beginning, and the company stands poised to shape the future of fintech, leaving an indelible mark on the world's financial landscape.

UniLedger: A Child of Innovation Fintech LAB9/23
UniLedger is a proud child of LAB9/23, a fintech innovation powerhouse that nurtures and supports disruptive financial technologies. LAB9/23 provides UniLedger with the resources and expertise it needs to succeed in the competitive fintech landscape.

UniLedger stands as a beacon of innovation in the fintech landscape, driven by a team of passionate and forward-thinking individuals. With a deep understanding of the financial landscape and an unwavering commitment to technological excellence, UniLedger is poised to redefine the future of global capital flows.

As UniLedger continues to evolve, its impact on the global financial ecosystem will undoubtedly be profound. By empowering individuals, businesses, and governments with the tools to manage their finances with unprecedented transparency and efficiency, UniLedger is paving the way for a more prosperous and equitable global economy.

Solutions

Distributed Ledger (Distributed Network)

UniNet - offers a secure and scalable cloud, hybrid, and on-premise network infrastructure powered by Distributed Ledger Technology (DLT). Through partnerships with leading global data storage providers, UniNet facilitates seamless cross-border wide-scale economic value exchanges, including trades, investments, and loans, across diverse markets.

Shared Ledger (Shared Database)

UniLedger – offers a robust shared ledger (shared database) that streamlines the structuring, recording, maintenance, and tracking of transactions with enhanced scalability and visibility. Its distributed ledger technology (DLT) guarantees data integrity, immutability, and transparency, enabling secure and efficient transaction management across diverse organizations and among transaction parties.

Robust Framework for Transaction Guidance and Safeguarding throughout its journey from initiation to completion

HiVeOne - offers a secure framework seamlessly guides and safeguard transaction throughout its entire lifecycle, from initiation to completion. It encompasses a critical pathway of eleven (11) touchpoints/places and three (3) streamlined phases: pre-payment, payment, and post-payment.

Secure Payment Gateway Powered by Distributed Ledger Technology DLT

Harnessing the power of Distributed Ledger Technology (DLT), DLT - UniPay provides a robust payment gateway that safeguards transactions and expedites payment settlements. By minimizing transaction failures caused by system disruptions, DLT UniPay ensures seamless and secure payment processing.

DLT-AI Powered Balance Board for Economic Insights

UniBalance - Leveraging the power of Distributed Ledger Technology (DLT) and Artificial Intelligence (AI), UniBalance meticulously reconciles, cross-validates, balances, and audits every transaction. This comprehensive pre and post audit function provides valuable insights into the impact of each transaction on the broader economic landscape.

Tokenization – Transaction Guardian Digital Twin

UniToken - Offers a digital twin of the transaction, acts as a trusted companion and guardian, providing guidance and protection throughout its entire lifecycle. From the point of initiation to the point pf completion, UniToken safeguards the transaction, ensuring its integrity and security.

A Nurturing Ecosystem of Innovation
LAB9/23 Holding serves as a nurturing ecosystem for groundbreaking fintech startups, fostering a culture of creativity and innovation. The company's portfolio includes a range of transformative ventures, each pushing the boundaries of financial technology.

A Comprehensive Suite of Fintech Solutions
The Innovation Fintech LAB9/23 Holding oversees and nurtures a comprehensive suite of fintech solutions, including

A Global Team with Local Impact

At LAB9/23, we are driven by the values of our incubator (Misk Spark cohort 7) and launchpad (Misk Launchpad cohort 5), enabling us to think globally and act locally. Our seasoned Executive Team Suite capsule represents the globe's six continents (Africa, Asia, Europe, South America, and North America) and nine countries (Saudi Arabia, Egypt, Syria, India, Scotland, the United Kingdom, Ukraine, Colombia, and the United States of America) to reimagine humanity's economy and ensure a balanced, sustainable, and equitable economic future.

We are driven by a global mindset and a commitment to local action so that we bring together a diverse range of perspectives and experiences. We are united by our shared values of innovation, collaboration, and social responsibility. This diversity of backgrounds and experiences allows us to see the world from different angles and develop solutions that are relevant to people around the globe.

We are also fueled by the vision of our accelerator (Fintech Saudi Idea Accelerator), which has declared Saudi Arabia a fintech nation. We are committed to playing a leading role in the development of Saudi Arabia's fintech sector and helping to create a more prosperous and inclusive economy.