The Unbanked token (UNBNK) operates as the primary cryptocurrency within the Unbanked ecosystem. It is supported on both the Stellar and Ethereum blockchains, ensuring optimal speed and usability. Users can deposit UNBNK on Unbanked.com and utilize it with Unbanked's crypto debit card. Unbanked offers crypto debit cards to residents in various regions, including the United States, Europe, Latin America, and more. Additionally, individuals can purchase UNBNK on the Unbanked.com dashboard by signing up for a bank account, which facilitates easy conversion of USD to UNBNK. Unbanked's bank accounts are accessible to residents in over 200 countries and territories.

UNBNK serves as a reward mechanism for Unbanked crypto debit card holders based on their loyalty and card usage. By participating in the Unbanked staking program, cardholders can earn up to 6% back in UNBNK whenever they use their cards for in-store or online transactions. To reach the highest tier of 6% back, cardholders need to possess 145,000 UNBNK.

Furthermore, UNBNK gains additional functionality on UNBNK.com through the UNBNK protocol. This protocol operates as a lending and borrowing platform with a specific focus on NFT assets as collateral. The platform enables independent borrowers and lenders to obtain loans or earn interest on assets they already own or can pledge as collateral. Interest payments are repaid in UNBNK.