We know that a person becomes poor when he or she is unable to exchange his goods or services for currency. When a person cannot find market for his or her products, services or farm produce, he or she ends up being poor. Nearly 95% of people living in Kenya are unable to find market for more than 80% of their farm produce. Kenyan subsistent croppers and pastoralists living in rural areas are extremely impoverished because they cannot find market for their produce. The only available market comes to them in form of organized cartels who buy the farm produce and livestock at a throwaway price. Even at this throwaway price, cartels are only able to purchase less than 20% of all the produce. The rest goes to waste. Perishable produce such as fruits, vegetable, flowers, animal products are rotting away in the villages of Kenya. This extreme waste of produce of the land, kills all possibility of generating wealth for the local people, and multiplies, by several orders of magnitude, the rotting capital in the country (see e.g., de Soto, 2002).

5.2. The Quandary

Without anywhere to sell produce, a subsist cropper or a livestock producer slides into extreme poverty. When sick, she is afraid to seek medical service until the disease advances, and becomes incapacitating. She is forced by worsening disease to seek medical care and arrives at a medical facility without enough money to pay for medical service. Her money does not cover for the medical service offered by the provide at the medical facility. The provider reduces the quality and quantity of service offering to match the little money available from the patient. The problem is that the provider of medical service receives hundreds of patients with advanced disease, but with little or no money. In most cases, the patient cannot pay anything at all. This severe lack of money to pay the providers in Kenya has led to a severe decline in the quality of medical service. Many owners of health facilities have to cut-corners just to make ends meet. Cutting corners by a medical provider means cutting a critical service, increased risk of worsening of disease, medical errors, or introduction of new diseases. Distressed medical providers in Kenya are offering the lowest quality experienced in the world. Low quality medical service is a serious health hazard to the people, which by itself results in death of health consumers in many instances. Health providers are seriously concerned by this problem. Without access to money however, and surrounded by masses of people with advanced disease, they are between a rock and a hard place. This is the quandary of health service.

5.3.          Fundamental solution

Logical reasoning indicates that the fundamental solution to health production problem lies in a system that improves the economy of each individual. In line with this logic, we have created a system to help people find market for their produce, services and products. In order to help a person, he or she must first join and become a member of distributed autonomous organization (DAO) known as the Co-operative Society of Ubricans (CSU). We intend to enroll 14 million families in Kenya alone. Once joined, our community workers help the member to send to market whatever he or she is producing. We have created an online retail store known as Soko Janja (see shop.ubrica.com) where members can buy and sell produce, products, and services. We have started enrolling individuals onto Soko Janja. Enrolled individuals can post pictures of their products, produce and services to the online retail store. Members of the CSU will use their wealth to finance health production for themselves and their loved ones. We will use Ubricoin to facilitate the management of the online store. Ubricoin will also be used at the point of sale in Soko Janja as well as an incentive structure to encourage people to buy from each other to activate local economy.


We will sell 1 billion UBNs to support our online retail store Soko Janja (see shop.ubrica.com) to help operationalize wealth creation by each individual in any given community. We are proposing to build a platform that will be decentralized. The platform will facilitate peer-to-peer trading without Ubrica mediating. The trading will involve the use of Ubricoin as means of payment which will be validated by blockchain.

5.4.1.        The Reward System

We will create an incentive structure to facilitate peer-to-peer trading and purchase of locally produced products, produce and services. Holders of Ubricoin purchasing locally produced products and services in Soko Janja will receive the services and products at a discount. They will also receive loyalty point for shopping in Soko Janja.

5.4.2.       Reuse of points

Points received from shopping at Soko Janja will be used to access more products, produce and services in the Ubrica ecosystem such as shopping at Soko Janja or access to health services in the URCCs and BMICs

These 1 billion coins will be sold in four phases at $0.5 per UBN.

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