A Guided Tour
The below pictures will take you on a guided tour of the various elements of the Universal Exchange US (UNIEX) complementary currency banking system and its corresponding marketplace. We start with the home page for this portal website which introduces the complementary currency banking concept. This site provides the means to create an account on the bank, which is shown further down.
When you are ready to set up an account on the UNIEX bank, go to the Signup page. This what the Signup Page looks like.
From that SignUp page you will select the type of account you will be creating on the bank. There are five different kinds of accounts, each with different features and benefits to those account types. They are Individuals, College Students, Teachers, Non-Profits (NGOs), and Business accounts. The majority of accounts will be for Individuals and here is what that signup page looks like.
Once an account type is selected, the user is transferred to the UNIEX bank to enter their account information, as shown in this signup page for an individual:
When you click the Register button, you will then be presented with the Terms and Conditions of using UNIEX Bank, along with our description of our Policies, which you must accept in order to complete the process and establish your account.
Once an account is established, the user can login to the bank. Here is a screenshot of the login screen for the bank website.
This is what an account page looks like on the bank after you login. On this screen, you can purchase more currency (from any state); send currency to someone or receive it; see a record of your past transfers; send a referral link to other party to sign up (and earn a commission when they enroll); setup an account for someone else (enroll them) and earn a commission; facilitate transfers between to other parties who lack internet connectivity on their own; and finally, schedule recurring automatic payments to a third party so that you do not have to do it manually each time (like auto pay on regular checking accounts).
Once an account is created, we have included an ability to print a QR code to be used by account holders who may not have a device with access to the internet, or simply to use it to login to their account.
For example: a user lacking an internet connectable device need only present a piece of paper with their QR code on it to a merchant who can scan it thereby accessing the buyer’s account. At which point the user can authorize a transaction by putting in their PIN number on that merchant’s device.
Neither the QR Code nor the user’s PIN is retained on the merchant’s device, so the merchant cannot improperly added additional transactions after the first. Further, we have encryption built into that QR code so that it is only readable by our banking system and a user’s NIN/email/Username cannot be seen by others using a generic QR Code reader. Here is what a typical QR code looks like.
An account holder’s QR code can be downloaded or printed by clicking on the down arrow next to the user’s name in the upper right hand corner of the account window and this menu drops down. Note the other options on that menu.
Select Download/Print QR Code and get this popup. Select what you want to download or print by checking the appropriate box(es) and then click the Download QR Codes or Print button at the bottom.
Next – notice that you have two options on the left hand menu for getting other people to enroll in the system and thereby earn a bonus of your currency for each person or organization that joins UNIEX. (The amount of the bonus depends on your account type.) The first option entails you doing the enrollment for them, by clicking on the menu option on the left labeled “Enroll Others.” As introduced above, there are 5 different account types on UNIEX. You then select the account type the fits the party you are enrolling and fill in the blanks just like you did when you enrolled.
You might choose this option when setting up accounts for your kids, you parents, your neighbors, etc. – anyone who would like you to set up the account for them. By using this option, the bank knows that you are the one who setup the account and thus credits your account with units earned for each completed referral. And the person/organization that you enrolled likewise gets a 50 unit signing bonus placed into their newly created account.
The next option is one in which the person or organization you are recruiting will fill in the signup sheet themselves and they just need to receive a link to the bank signup page, shown immediately above. This is accomplished via the menu option labeled “Referral Link,” as shown in the following screen shot. Note the instructions on that page that instructs you to “Copy the link above and send it to your network with your own personal message encouraging them to set up their own account. When they do, you will see them listed below. That way you will know you have earned your bonus units.” That referral link contains a unique code associated with your UNIEX account, so when the person or organization follows that link to sign up, the bank will know that you are the one that referred the new user. If you have a personal social network of contacts, this is a great way to earn a bunch of units just by sending them that link and encouraging them to sign up.
There is a third option for getting others enrolled. It entails the printing of a flyer that can be found on the drop down menu labeled Download Flyer, in the top right corner, as seen in the following screen shot.
Here is an example of that flyer that you can hand out to prospective new account holders, or you can copy the contents of that flyer into an email message to send to others. That flyer contains your enrollment custom URL from the previous option as well as a custom QR code which yields that same custom URL if the user scans it into their phone or other device capable of reading QR codes.
Let us now look at the marketplace where you can buy and sell goods and services, using your complementary currency. Once you have created an account on uniexbank.com, you can make use of the online marketplace where you can buy and sell goods and services using the complementary currency vouchers.
Each state will have its own dedicated marketplace, and the ones that are live are listed on this webpage. Our goal is to have all 50 states, plus Washington DC and Puerto Rico online by the end of January 2026. The below screen shot shows all of the active marketplaces as of December 27, 2025.
As mentioned above, our marketplaces resemble a hybrid of Craigslist and eBay, taking the best from each. They resemble eBay in that users can buy and sell goods and services online. Only in our case, those purchases are made using their state currency instead of dollars. However, most items purchased on eBay are not available locally, and are normally shipped to the buyer from elsewhere across the country.
Because our goal is to provide our users with access to goods and services available in their local area, each state is further broken down into multiple local marketplaces, so that buyers and sellers will usually be located within a maximum one hour drive or so from each other. In that manner, our marketplaces more closely resemble Craigslist, resulting in hundreds of local sites around the country that will equal or exceed those of Craigslist, as seen here.
To give you a sense of how that works, the next screenshot below shows the marketplace for the state of Ohio, the home state where UNIEX was created.
Once you log in to a state marketplace, you can search for items you would like to purchase; post items you would like to sell; or top up your account by purchasing more currency (using credit or ATM cards).
The default login screen below covers the entire state (in this case the State of Ohio). You can tell it is statewide by the words in the box labeled Select Location. If you would like to buy or sell on a more local basis, you would click inside that box and you would see a listing of all the local areas in your state such as Akron, Cleveland, Youngstown, etc., as exampled by those in Ohio state depicted below.
Most of our users will normally shop on their local marketplace, even though they can shop on any site throughout the entire United States. As a result, we have added a feature to your UNIEX checking account page that lets you select your default marketplace. You setup that up for the first time by selecting the left menu option labeled Preferred MarketPlace, as seen on the screen below.
At that point you get the following screen where you select your default state and then local market place in that state.
If we select the state of Ohio from that list, we then get the following local markets in Ohio. You will notice that they are essentially the same local markets as those found for Ohio on the above linked Craigslist page.
Assume that you select Youngstown as your default market place, you get the following screen.
Click on the button Set Preferred State and you will get a small box stating that your preferred state has been updated successfully and you then click OK and you get the following screen. From that point forward you can go straight to your local market place by clicking on the menu option Preferred MarketPlace and then selecting button that says Open Link. Also note that you can change your default state by clicking on the bottom Select State box.
When you select the Preferred MarketPlace and click on the Open Link button it will open another browser window with your login screen for your local marketplace, as seen below.
Finally, once you login to your local marketplace, you can sell something or offer your services by selecting the Post Your Ad button in the upper right corner and see the following screen where you can post it.
Let’s say the item we want to sell is a washing machine. You then need to select a category and subcategory for your item, in this case a washing machine. Washing machines would fit under the category of Home Appliances and upon selecting it, you would see the drop down menu for Sub Categories, from which you would select Home Appliances.
At that point you would see a detailed form to fill in, the top part of which is shown in the following screen and the bottom part is shown in the next screen.
Finally, be aware that if you want to purchase an item from the market place and don’t have sufficient currency in your UNIEX account, you can purchase more currency directly from the UNIEX bank. This is one of the major benefits of our marketplace in contrast to Craigslist. Not only can you purchase items online, but if you don’t have sufficient cash on hand (as required by Craigslist) you can use your credit card to buy an item on credit.
To purchase more currency, you would click on the button at the top labeled Buy Currency.
That will then take you to the bank where you can sign in as normal and then select Buy More Currency from the left menu.
When you select Buy More Currency you get a screen that prompts you to select the number of units of your default state currency you wish to buy. It defaults to 10 units, but you can increase or decrease that amount by selecting the minus (-) or plus (+) buttons, or highlighting the number and directly typing the number you wish to purchase. In the below screen shot, the amount selected in 100 units. Should you wish to purchase a currency from another state, you click on the button labeled Show All and you can select a currency from any state, as seen in the right panel.
When you have selected the state and the amount of its currency you wish to purchase, you then select the Buy button and you get the screen shown on the left panel. It presents you the option to purchase the currency with PayPal or a Credit/Debit card. If you select Credit/Debit card, you get the next screen.
We hope you have enjoyed this guided tour of the entire UNIEX financial bank and market place ecosystem. If you have any questions, please email us at info@scf.green. Thank you.