Ubcoin will allow Ubank users to spend their fund in your OWN marketplace, pretty good. I dont want to say that you are greedy but i'm not sure the idea is interesting enough, I need to do research about this project. anyway, good luck!
Yes, you should have more research about UBCoin, and don't have any surprising if you know they have an experienced and strong team 
That's a good idea if you make your own research outside and not relying the whitepaper and inputs by the team , I will appreciate if you post here whatever new information gathered from your research . Thank you in advance .