Eligible citizens can claim UBI directly in their Lomalo wallet
Connect Across
Every Atoll
Every Atoll
Ensuring secure and inclusive access to ENRA benefits
for all Marshallese citizens.
Safe & Secure
Government Backed
FEATURES
What Lomalo Can Do
Claim UBI
Receive ENRA (UBI) directly in your wallet. Fast, secure, and instantly accessible.
Free to Use
View your benefit history and stay in control of your funds — no fees and no waiting in line.
Secure Access
Sign in safely to verify your eligibility. Lomalo connects you to benefits with confidence.
Transfer Instantly
Transfer funds instantly to other verified users across the Marshall Islands.
Learn more about the RMI’s issuance of USDM1
Financial Access and the Path to USDM1
Lomalo links communities.
Connecting families, friends, and communities across the islands through a shared and secure network of trust.
A CITIZEN WALLET
Designed for the Marshallese
Officially Approved
Lomalo is an approved mechanism for ENRA distributions, developed in partnership with the Ministry of Finance, Banking and Postal Services and support by MISSA.
Built For Every Atoll
Lomalo runs on fast, secure digital rails. Citizens need only intermittent internet access to use their enra benefits — no lines, no delays, just a simple connection online.
Delivering UBI Digitally
Strengthening inclusion across the RMI starts with ensuring that every household can access support when they need it. Lomalo delivers UBI using USDM1, a digital sovereign bond issued by the RMI and backed 1:1 by U.S. Treasuries. Built for a nation spread across thousands of miles of ocean, Lomalo ensures benefits reach citizens quickly and securely, wherever they call home.
Responsible Innovation & Public Trust
The Republic of the Marshall Islands is committed to a responsible approach to digital innovation that prioritizes financial stability, regulatory alignment and long-term public value. Lomalo is developed as part of the RMI’s broader digital-sovereign initiatives, which are grounded in public-sector mandates and internationally recognized standards. These initiatives are designed to support inclusion, transparency and accountable delivery of public programs.
The RMI’s Approach
Public accountability and oversight through sovereign governance frameworks.
Operational resilience and security appropriate for public service delivery.
Financial inclusion and access, particularly for remote and underserved communities.
Careful, phased implementation informed by global best practices and in coordination with experienced partners.
Start Using Lomalo Today
Lomalo operates as a public-interest service layer and does not issue financial instruments. Underlying sovereign infrastructure, including USDM1, is governed separately under applicable legal and regulatory frameworks. This statement reflects policy objectives and design principles and does not constitute a legal, regulatory or investment representation.