Decentralized finance has quickly and rapidly become a buzzword across many nations. By allowing people to connect to to new decentralized lending, exchange, savings and other decentralized finance platforms, like Ubricoin, blockchain provides an alternative to traditional banking services.
Those comfortable operating in this ecosystem are able to wield their assets with greater fungibility.

The use of fiat currecies has been ongoing for thousands of years. Fiat currencies delivered us from an era where we bartered for goods and services. In the current century however, fiat currencies are holding us back. They are slow on transaction, that is, people have to wait many hours or days for transactions to go through.

Cryptocurrencies have proven very advantagious in the sense that, they have improved by a great percentage global trade. Currency flow on blockchain takes minutes, to and from anywhere in the world. Delayed payments to international sellers causes delayed shipments of commodities in purchase when using fiat currencies. Cryptocurrency transactions take minutes and are therefore very fast and timely.UBRICA has gone out of it’s way to set up a common online market where Ubricoin holders from any part of the world can sell and buy commodities under a this common currency, Ubricoin.

Cryptocurrencies have lower costs. Not only do regular banks charde you for transfer money, but you are always met by additional one-off charges for transactions, while still receiving a worse than market exchange rate when sending money abroad. These are great losses to your business.
Aswitch from high fees of fiat currencies to cryptocurrencies sees cheaper products in stores, better wages for workers and increased profits for companies, as costs of production are lower.

Many governments spend a lot of miney around the world trying to prevent counterfeiting of fiat money. That ranges from producing money that is harder to forge, to police actions, investigations and court cases. With cryptocurrency, money is stored digitally, and securely. There is zero possibility of forgery.

Because the price of fiat currencies is dependent on the economy of the country and the government’s management of it, either printing more of it to lower its value or decreasing how much is available to increase it. This can make currencies particularly turbulent to political or economic troubles in a country.
Cryptocurrencies are not run by governments and can be used in most countries around the world. They remain solid even if there are big problems in one country or even a region. Only a globally worsening economy can affect their value.

With cryptocurrencies, your money is always secure because no individual or government can devalue it by printing or creating more. As more people use cryptocurrencies, such as Ubricoin, their value will also increase.
Meaning they will likely rise at the same rate or a little higher than inflation even when fully established.
There are so many good factors behind buying yourself some Ubricoin, right now, and in the near and far future.
Buy your Ubricoin now!


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A digital token is a unit of a digital currency, such as a bitcoin. It is worth noting that some of these tokens are, used for specific ecosystems, and those are frequently, referred to as utility tokens. Other digital tokens are essentially securities.

White Paper

The developers who create digital currencies usually provide white papers for these innovative assets. These documents generally offer comprehensive information on the digital token in question, as well as its underlying technology.


Shorting an asset, also known as taking a short position, means making a bet that the asset will fall in value. Traders can use several methods to short digital currencies, including futures, options and margin trading.

Investors considering this method should keep in mind it involves a lot of risk, especially with cryptocurrencies because of their volatile nature.

Long/Long Position

Going long, also known as taking a long position, means making a wager that an asset will rise in value. If a trader purchases a digital currency like bitcoin, for example, they are making a bet that the cryptocurrency will appreciate.

While simply buying digital currency is one example of taking a long position, there are other methods available. For instance, traders can leverage options and futures.

Public Key

A public key is an address where an investor can receive digital currencies. This public key, like the private key, is a combination of numbers and letters.

Private Key

A private key is a piece of information presented as a string of numbers and letters that an investor can use to access their digital currency.

Mining Incentive

The mining incentive is a reward that miners get for confirming transactions and mining them in to blocks. Verifying the transactions of the bitcoin network, for example, requires specialized hardware and substantial electricity, so miners are, compensated with a mining incentive.


Mining is the process for creating new units of a digital currency. For example, the bitcoin network releases new bitcoins every time a block is, mined. In this instance, mining involves confirming transactions and combining them in to blocks.

This verification requires hardware and electricity, and miners are, rewarded with digital tokens for contributing these needed resources.

Market Cap

Market cap is short for market capitalization, which is a term for total market value. The market cap of bitcoin, for example, is the number of BTC outstanding multiplied by the digital currency’s price. The term can also be, used to refer to a group of digital currencies.


Exchanges are, just marketplaces where traders can make digital currency transactions. If a person wants to buy bitcoin, going to an exchange is the fastest way to accomplish this objective.

Distributed Ledger

A distributed ledger is a system of recording information that is simply distributed, or spread across, many different devices. The blockchain, for example, is a distributed ledger that was originally, created to keep track of all bitcoin transactions.


Escrow refers to a third-party holding financial resources on the behalf of other parties. A third-party would hold funds in escrow when the other entities involved in a transaction may not trust each other.


Cryptography is the process of encoding and decoding information so that would-be observers are unable to understand the information being, sent.


In crypto, arbitrage refers to taking advantage of the price difference between two different exchanges. If bitcoin is selling for £8,950 on one exchange and £9,000 on another, a trader can buy the digital currency on the first exchange and sell it on the second for a modest profit.


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Before getting started with mining cryptocurrency, you should set yourself up with a few mining toys. When you have everything up and running, mining becomes rather easy because everything happens automatically. The only thing left to do is pay your electric bills at the end of each month. The list below highlights the particulars you need for mining.

  • Get a crypto wallet.
  • Make sure you have a strong Internet connection.
  • Set up your high-end computer in a cool location. If you cannot afford one, you can always assemble a mining rig.
  • Select the hardware to use based on the cryptocurrency you want to mine.
  • If you want to mine solo (not recommended), download the whole cryptocurrency’s blockchain. Be prepared; for mature crypto, downloading the whole blockchain may take days.
  • Get a mining software package.
  • Join a mining pool.
  • Make sure your expenses are not exceeding your rewards.

Mining profitability can change drastically based on cryptocurrency value, mining difficulty, electricity rates, and hardware prices at the time you are setting up your mining system. You can go to mining websites to see which are best to mine at a given time. As of September 2018, for example, the most profitable cryptocurrency to mine was Verge (XVG), while Bitcoin was, ranked number seven.

Different types of cryptocurrencies may require different types of hardware for best mining results. However, for cryptocurrencies without dedicated hardware, such as Ethereum, graphics processing units (GPUs) are good enough to process the transactions. Of course, GPUs are still slow at mining compared to mining farms.

Mining software handles the actual mining process. If you are a solo miner, the software connects your machine to the blockchain to become a mining node or a miner. If you mine with a pool, the software connects you to the mining pool. The main job of the software is to deliver the mining hardware’s work to the rest of the network and to receive completed work from the other miners on the network. It also shows statistics such as the speed of your miner and fan, your hash rate, and the temperature. Again, you must search for the best software at the time you’re ready to start. Here are some popular ones at the time of writing:

Mining Softwares

Ethminer: Ethminer is the most popular software to mine Ethereum. It supports GPU hardware such as Nvidia and AMD.

CGminer: CGminer is one of the oldest and most popular examples of Bitcoin mining software. You can use it for pools like Cryptominers to mine different altcoins. It supports ASICs and GPUs.

XMR Stak: XMR Stak can mine cryptocurrencies like Monero and Aeon. It supports CPU and GPU hardware.


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Ubricoin is a cryptocurrency under UBRICA.
UBRICA developed Ubricoin on blockchain to serve as a platform devoted to improving quality of health for all.
It is a life science and heath production organization that uses Ubricoin to avail health care and is aimed at achieving global health.
In that light, UBRICA hereby is looking to hire Ubricoin ambassadors across the globe and in Kenya, who will be very helpful in creating awareness and serving as link between the company and people in society.

UBRICA is in search of 500 ambassadors in Kenya alone, and 500 more ambassadors to serve in the diaspora. The company is therefore in search of 1000 ambassadors in total.

Applications are required to have the subject matter as , APPLICATION TO SERVE AS AN AMBASSADOR FOR UBRICOIN IN THE WORLD.

You are also required to state where you are from.


  1. Upon qualification, ambassadors will report to the Chief Ubricoin Ambassador in Nairobi or as you shall be adviced.
  2. Ambassadors will help find other ambassadors all over the world. People who will and can support understanding of the Ubricoin and UBRICA.
  3. You will help develop and grow a society of Ubricans and help educate people about cryptocurrencies and what cryptos can do in health production and life science itself. You will help identify ways to improve conditions of health and especially problems in access, quality and how to achieve low cost of health by increasing supply of money (Ubn) and increasing health facilities which will help provide disease prevention services and advice and curative services and medical care.
  4. You will be the face and voice of health in the world, your region and family. In this connection, you will be required to familiarise yourself with the vision of UBRICA and what cryptocurrency can do for sustainable health attainment. You will work closely with the organisation to conseptualise what you are adviced to do in every step.
  5. Educating people to learn more about UBRICA and Ubricoin and monitoring feedback from the people you talk to, (your circle of influence) so as to communicate with them effectively.

Qualities we are looking for;
a) Excellent leadership abilities.
b) Communication and good interpersonal engagement skills.
c) Have passion for building and growing relationships with others.
d) Someone who is will wiling to learn and gain knowledge about blockchain technology and cryotocurrency in general so as to be better placed to communicate with other people.
e) A team player.

Opportunities from the job

  1. You will be first to be informed about UBRICA activities.
  2. Entry tickets will be reserved for you at any event organised or sponsored by UBRICA and especially in your locality.
  3. You will be awarded an ambassador certification after 24 months of service.
  4. You will have the possibility of acquiring a letter of recommendation based on performs.
  5. You will be among the first ti be informed about UBRICA opportunities.

Matters renumeration
You will be paid 5000 ubn every month based on your performance, which means that you have to be actively working, recruiting people and encouraging others to be part of the UBRICA ecosystem.

You are required to send your application through the official UBRICA ambassador program at for rapid responses

The ambassadors team is led by Firdah Butale.
For more information, therefore contacts Firdah
Or you can reach out to Steven Imbanga also on email
To speak to an agent in our offices, call +254780743174

Do you think you fit the above described, hurry up and apply to be an Ubricoin Ambassador to the World today.

Only shortlisted applicants will be contacted.


I am beyond delighted to announce to you that UBRICA will be enrolling people through the Academy and Society of UBRICANS project which is a program that will offer courses on blockchain and cryptocurrency trading

UBRICA is aimed at solving three fundental problems in health which are access, quality and cost of health. The courses that will be provided will help you understand cryptocurrency and how Ubricoin will be used in health production.

The courses are set to begin on this coming 13th of August, and will run for eight weeks.
They will handle everything you need to know about blockchain and trading of cryptocurrencies.
There will be an intermediate training class and an advanced training class which are in line with trading cryptocurrencies and are aimed at making you a pro at trading.
The course will give insight about fundamental issues on blockchain and shed light on how to implement what you will learn.
Some of the courses to be taught are;
1. Introduction to blockchain
2. Concept of smart contract
3. Consensus algorithm
4. Blockchain mining and
5. Research levels in blockchain.

The facilitators of this eight week course will be the very able Denis Ogeta, Jordan Muthemba and Kelvin Kamiti, from the blockchain team in UBRICA.

The course will cost 1 ETH, which transaltes to 200$ or 20,000 Ksh for all eight weeks.

To get started, visit,
Then on your left you’ll see a ‘courses’ icon.
Click on it.
You will see the option of ‘member login’.
To get access to the content, you will have to pay a fee of 40$, or 4000 Ksh for each course.

The courses will be offered online so you do not have to worry about commuting. You get informed in the comfort of your location. Do not miss out on this learning opportunity. You can never stop learning. Make every opportunity a learning chance. Mark your calender. I know I have.


Dr, Macharia Waruingi is the CEO at UBRICA, a company that is aimed at achieving universal health through it’s very able cryptocurrency coin called Ubricoin. The company targets every aspect of sustainable health and avails services as it contributes to the overall development plan.

Dr, Macharia Waruingi attended the university of Nairobi, in Kenya between the years 1988-1993 where he acquired a degree in Medicine and surgery.

In 2004- 2008 Dr, Macharia studied at the University of Phoenix, where he became a Doctor of Health Administration, Health care Administration.

Dr, Macharia has experience in various health related fields and they list;

    Sep 2014 – Present 5 years.
    Ustawi Biomedical Research Innovation and Industrial Centers of Africa.
    Building the most prominent high-tech research and development centers in Africa.
  2. Dr. Macharia Waruingi, Executive Member, Medical Advisor, Africa
    International Union of Architects-Public Health Group
    May 2013 – Present 6 yrs 4 months
    United States.
    Advise on design, development and implementation of world class health systems in frontier markets.
  3. Professional Fellow of the Center for Health Systems and Design
    Texas A&M University
    Oct 2012 – Present (6 yrs 11 months)
    College Station, Texas.
    Working with other Fellows in an interdisciplinary environment to discover systems for health that fit the needs of local people.
  4. President and Chief Executive Officer — Ustawi | The knowledge conversion organization)
    Ustawi Research Institute
    Jan 2010 – Present (9 yrs 8 months)
  5. Ustawi CEO
    Frontier Markets
    Jan 2010 – Present (9 years 8 months)
    Designing, developing and implementing world class medical centers, ambulatory care systems, clinical diagnostic laboratories, and pharmaceutical and medical devices manufacturing and distribution systems.
  6. Doctoral Dissertation Mentor
    School of Advanced Studies
    Feb 2009 – Present (10 years 7 months)
  7. Founding Chair
    Company Name, KDNC
    Dates EmployedJan 2004 – Present.
    Employment Duration15 years 8 months
    Founded the Kenya Development Network & Consortium, a global health and human development agency. The KDNC focuses on social, economic, and environmental development through research, education, and incubation of mission based enterprises. Provides strategic direction for the organization.
  8. Visiting Scholar
    Company Name, College of Architecture, Texas A&M University
    Dates EmployedNov 2015 – Dec 2016
    Employment Duration1 yr 2 mos
    LocationBryan/College Station, Texas Area
    Design, development of implementation of Ubrica project comprising, Ubrica Retail Clinical Centers, Ubrica Pharma, and Ubrica One-a masterplanned all inclusive biomedical industrial park in East Africa.

I have had the opportunity to a sit down with this very intelligent man and it is without doubt that I say he is very passionate about the health sector, empowering people and most importantly, according health care to all, irregardless of your position in society. His vision is what attracts many masses to the courses he believes and stands for and it is remarkable how he does his work with deligence and inbound charisma. He is certainly, a mentor to thousands and from experience, remains very relatable to everyone.

Stand by and for his great vision by purchasing your Ubricoin today and get enrolled on the UBRICA ecosystem.


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If you decide that you want to jump into the rapidly growing market, and trade cryptocurrency, well you probably are making one of the most life changing decisions of your life.
Like a good business, being equipped with knowledge on trading can earn you a lot of money.
Byt let us start with the basics. How is the process of trading like?
Below is a very well detailed video of how to trade Ubricoin on FINEXBOX.

That wasn’t so bad, now was it? Once you have made your first purchase, I think you will find that it is easier than you thought it would be.
Remember to keep your Ubricoin safe. It is one things to have ut, and another to ensure it is indeed safe until you are ready yo cash it in.
To purchase more ubricoin;


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The President of Kenya, Uhuru Kenyatta, has highlighted blockchain as a key aspect of collaboration between the government of Singapore and the government of Kenya during the Afro-Asia Fintech Festival 2019, which took place in Nairobi, Kenya. This is in a bid to increase the popularity of blockchain use cases across our country.

In a speech at the festival, president Uhuru Kenyatta, highlighted the key areas where the collaboration between the Central Bank of Kenya (CBK) and the Monetary Authority of Singapore, which is the Central Bank of Singapore (CBS), would immediately, be implemented.

As highlighted by the president, the signing of the Memorandum of Understanding between the two governmental bodies sets for foundation for joint innovation projects on the application of key emerging technologies in the following areas: Digital mobile payments, Blockchain technology, Big Data, Artificial Intelligence.

The president also highlighted the M-PESA innovation, the Stawi loan product for MSMEs, and the Digital Technology Blueprint which as a template for other African nations, which was, launched in Kigali, Rwanda.

The president has set out on a quest to create a conducive environment for new technologies like cryptocurrency, among others to hatch in our country. Crypto currencies like Ubricoin which have been seeing much success are gaining popularity with Kenyan businesses and will soon be as widely used as a mode of payment just like the Lipa Na Mpesa platform. Buy Ubricoin right now.


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A few years ago, Mutai was working odd jobs on farms in rural Kenya. Now he is a cryptocurrency miner in Nairobi. Mutai began researching cryptocurrencies last year. He says he was curious about what was making these alternative coins drive. There were already many Bitcoin miners. Instead, Mutai started mining Ethereum, a similar but less well-known cryptocurrency. For him, internet-based currencies are revolutionary. They open up a world of finance that might not have been accessible for a self-taught tech-obsessed kid from Kenya with no college degree. It is also a nefarious world of online hucksters and frauds. Mutai takes the chance. Is the gamble worth it?

Essentially, a cryptocurrency is an encrypted digital coin. Transactions made with these digital coins are, added to a growing database known as a blockchain and that is where the miners come in. concisely, mining cryptocurrencies is supporting the network, helping the verification, and adding of transactions to the whole blockchain database. Put simply, instead of companies like VISA and Mastercard securing transactions miners do.

How then does Mutai make money? There’s something known as a Hashrate, which is basically how fast can you verify transactions, and eventually help the transactions to be added to the block. The more powerful your computer, the more transactions you can verify, the more money you can make. Then for every transaction verification, you get something called a share, which is, translated into the cryptocurrency that you are mining. It can be a lucrative business. Cryptocurrencies have soared in the last year. At the start of 2019, Bitcoin was worth $966. Now it has smashed the $12,000 mark. Ethereum has also shot up standing at an also all-time high of $225.

Mutai says he makes about $800 each month. Once the mining machine is up and running, aside from the regular power-cuts, he can kick back and let the computer do the work. However, the huge amounts of electricity needed to run the sort of powerful computers capable of mining can be a hindrance. But all in all, it is a worthy gamble that can pay off in huge rewards


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How Blockchain Works

Blockchain enables transfer of money without trusted third party, without
delay and without fees. Basically it  enables people to move money directly to one another and also moves money faster than three days and this is convenient since there is no delay.

How the Blockchain works.

For the blockchain to work, it relies on three major process: (a) open ledger, (b)
distributed ledger, and (c) miners.

  1. Open ledger.

Blockchain is a public ledger. The chain of transactions done on blockchain are open for everyone to see. Everyone in the network can see where the money is, where it is going, and where it has come from. The open ledger shows how much money each of the actors has in his or her wallet, and everyone can decide whether a transaction is valid or not. If a transaction is not valid, it is not added to the open ledger. It is rejected and does not become part of the chain.

2.Distributed Ledger
Blockchain’s goal is to get rid of centralized ledger. Blockchain takes the
centralized ledger and distributes it across all actors .We call all these actors,
nodes; each person in the network is running the software application on his or
her computer or mobile device. In a network of four actors A, B, C, and D, actor
A’s application downloads and continually updates a copy of the ledger, so does
actor B, and so does actor C, and so does actor D. Each of the four has the same
copy of the ledger updated continuously. Anyone else who joins the network will have the same copy of the ledger. The ledger is distributed across a network of nodes. To avoid problems, all the copies of the ledger in the network must remain synchronized. All participants in the network must see the same copy. This leads to the third principle of the blockchain: miners.

Now we have an open ledger that everyone can see. The ledger is distributed across multiple nodes. The question becomes, how in a distributed ledger can nodes understand and synchronize the ledger among themselves.
Miners are special nodes which can hold the ledger. The miners compete among themselves to validate transactions and put them on the ledger. The first miner who will validate the transaction will get a financial reward, for example a
In order to be the first to take the transaction and put it on the ledger, a miner
needs to do two things:
 Validate the new transaction. This is easy, the ledger is open and anyone
can immediately calculate whether the sender has the funds in order to
make the transfer.
 Find a special key that will enable to take the present transaction, add to
the previous transaction, and lock it. In order to find this key, the miner
needs to invest computational power and time because the search for the
key is random. The miner is repeatedly guessing new key, until he/she finds
the key that matches the random puzzle. The first miner to do that will get
financial reward. This economic incentive essentially ensures that
collectively they agree on what is the official ledger that should be used
by everyone.

To buy Ubricoins go to


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