Universal Benefits Architecture (UBA)
UBA is a modular, open-network architecture to make benefits discoverable, comparable, eligible, applied for, verified, and disbursed across public and private schemes. It borrows heavily from India’s Digital Public Infrastructure (Aadhaar/DigiLocker/UPI/AA) and Beckn-style open protocols so that many providers can interoperate without a single central platform. Think “UPI for benefits,” but with extra building blocks for eligibility, verification, and consent.
Unified Benefit Interface (UBI) is a simple, open way for people to discover, apply for, and receive benefits from many programs—public or private—without hopping between websites or re-submitting the same documents. UBI networks often use the Beckn protocol to let different apps “speak” to each other. When combined with verifiable credentials, citizens can prove eligibility and receive benefits faster and more safely.
Components
Section titled “Components”Open discovery & transactions layer (Beckn-style):
Section titled “Open discovery & transactions layer (Beckn-style):”let citizens find benefits, compare options, and kick off an application flow across providers in an interoperable way (not app-by-app silos). Read more about Beckn Protocol.
Digital identity & trust:
Section titled “Digital identity & trust:”uses India DPI primitives (Aadhaar e-KYC, eSign, DigiLocker-style document exchange), plus verifiable credentials so proofs of eligibility/entitlement can be presented and checked anywhere.
Credential issuers & verifiers:
Section titled “Credential issuers & verifiers:”departments/partners issue signed credentials (income, disability, student status, etc.); relying parties verify them before granting benefits—no repeated paper verification. This is where Dhiway’s MARK Studio, and the DPGs are used. Specifically, CORD Network, Issuer-Agent (for VC-Export), and Verification middleware.
Consent & secure data exchange:
Section titled “Consent & secure data exchange:”user-granted, auditable sharing of just-enough data (selective disclosure) between issuers, verifiers, and disbursers.
Where MARK Studio/VCs fit
Section titled “Where MARK Studio/VCs fit”Issuance: departments/trusted orgs issue verifiable credentials (eligibility, identity, receipts) via your issuer/Mark Studio.
Wallet & presentation: beneficiaries store/share those VCs during discovery/application in any UBA-compliant app.
Verification: scheme backends verify cryptographically, log decisions, and trigger disbursal—no photocopies or repeated KYC. (All aligned to the UBA “trust” layer.)