Source: https://fintech.ph/listing/ubx

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# UBX

Open finance & embedded-finance platform

[Fintech Infrastructure](https://fintech.ph/category/fintech-infrastructure) [Payments](https://fintech.ph/category/payments) [Financial Inclusion](https://fintech.ph/category/financial-inclusion)

[Visit website](https://ubx.ph/) [Developer access](https://developers.bux.ph/)

- **Founded**: 2018
- **Headquarters**: Pasig City, Philippines
- **Stage**: Growth
- **Licences**: 1. BSP

## Overview

UBX is the fintech venture studio and open-finance platform spun out of UnionBank of the Philippines (Aboitiz Group), operating since 2018. It builds embedded-finance infrastructure that lets enterprises, MSMEs, and financial institutions offer digital payments, lending, and banking-as-a-service. Its core products are Bux (an end-to-end payment gateway for merchants), SeekCap (a same-day-approval MSME lending marketplace), and i2i (an open-finance/BaaS network connecting rural banks and banking agents). UBX is a BSP-registered Operator of Payment System and has served over 250,000 businesses; Japan's SBI Holdings holds a ~16.67% stake.

### Mission

To democratize access to financial services through open and embedded finance.

### Products

- Bux (payment gateway)
- SeekCap (MSME lending marketplace)
- i2i (open finance / BaaS network)

### Serves

Enterprises MSMEs Financial institutions Developers

## Funding and ownership

Stage

Growth

Parent organisation: UnionBank of the Philippines (Aboitiz Group)

### Investors and shareholders

UnionBank of the Philippines (Aboitiz Group) SBI Holdings (~16.67%)

## People

- Dan Marogy President & CEO
- John Januszczak Founding President & CEO (2018–2025)

## Licences and certifications

- [BSP-registered Operator of Payment System (OPS)](https://fintech.ph/licence/payment-system-operators) [Check: BSP list of registered operators of payment systems](https://www.bsp.gov.ph/PaymentAndSettlement/COR.pdf)

## Awards and recognition

- Global Banking & Finance Review — Fastest Growing FinTech Company, SE Asia (2021)

## News

- [UnionBank nine-month profit rises 53% to ₱9.9 billion Weekly Brief, week of 19 October 2026](https://fintech.ph/brief/2026-10-19#story-4)

## Developers

APIs available

UBX's official entry point for developer and integration work. Depending on the company it may be public documentation, a sandbox, or a partnership contact.

[Developer and integration access](https://developers.bux.ph/)

Something out of date? [Suggest a correction](https://fintech.ph/contact)

## Contact and links

[ubx.ph](https://ubx.ph/)

- [facebook](https://www.facebook.com/ubxphilippines)
- [linkedin](https://www.linkedin.com/company/ubx-philippines)

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From fintech.ph, an independent directory of fintech companies in the Philippines, as of October 27, 2026. Please link to https://fintech.ph/listing/ubx when citing this page.