UBCI is a floor of care, denominated in Hours — minted by the network's robots, accrued by households that keep a simple covenant. No waitlist. No means test. No application.
How to apply
Benefits are built to ration what's scarce. UBCI is built the other way around.
Applications ration scarcity. Founding recognizes abundance.
How it works
Five steps. No forms to mail, no one to wait on.
Pick the name your household will be known by across the federation.
yourfamily.coop.careA guided 10-minute setup. Plain questions, plain language.
Who's in the co-op, who speaks for it, and the mutual-aid you'll offer.
Meet the covenant once and your co-op is recognized by the network.
Hours begin minting to your ledger — and keep arriving while standing holds.
What's an Hour
The same for everyone. Sitting with someone, a ride to the clinic, a shared meal — presence is the unit, and it's worth the same whoever gives it.
A nurse's visit or a therapist's session runs on the dollar rail — billed and paid as it always was. Hours sit beside money; they don't replace it.
Use Hours on a neighbor's care or on robot services — or transfer them to your parents' co-op across the country. The federation settles it.
The covenant
This is the whole of it. Hold these, and your co-op holds standing.
Your wishes for care are written down and up to date — so they're known before they're needed.
The basics of staying well are checked in on — a light, honest attestation, not a physical.
One trusted person who can speak for the co-op if someone in it cannot speak for themselves.
A quick walk-through of the place people are cared for — fall risks, exits, the simple stuff.
A single promise of help you'll offer a neighbor — the thread that ties co-ops into a federation.
Keep faith with your people. That's the test — and it's one you already pass.
The engine
We don't own the cars. We make the engine.
Straight answers