HADA DBank is developing a comprehensive Blockchain digital bank that will make life easier for everyone, regardless of their statuses. Our customer will be able to perform banking activities with 0% fees and enjoy quality services from us. We are here not to just profit, but rather to make justified profit while ensuring a better banking experience.
Our Headquarters will be based in Zug, Switzerland – the Crypto Valley of the world.
Swiss Financial Market Supervisory Authority FINMA: FinTech Licence
Bank of England Prudential Regulation Authority and Financial Conduct Authority: New Bank Start-Up Unit license
Other Countries: E-Money Licenses
Why Islamic Banking?
Islamic Banks are less risky and more resilient than their counterparts, due to the aspects of their bank capital requirements and mobilisation of deposits. As opposed to Conventional Banking, depositors to Islamic Banks are entitled to be informed about what the bank does with their money. They also have a say in where their money should be invested. Islamic banks also strive to avoid interest at all levels of financial transactions and promote risk-sharing between the lender and borrower
Mission
Provide Ethical and Responsible Banking Services to everyone, especially the current “Unbanked” population
Vision
To be The Leading Global Blockchain & Digital Bank that emphasizes Ethical and Responsibility through Islamic Banking Principles and services
EXCLUSIVE FEATURES AND ADVANTAGES
Free Encrypted Account and e-Wallet
Smartphone – Banking App
Non-smart Mobile phone – SMS / USSD Code
Saving and Withdrawal
Probable* 5%** Saving Hibah per annum
No withdrawal fee
Transfer, Remittance and Exchange
Free Transfer / Remittance of funds (FIAT & Cryptocurrency) between personal savings accounts and e-wallets
0% fee on exchange transactions via HADA Exchange (between cryptocurrencies). No charges on major FIAT currencies during FIAT <> Crypto exchanges.
Connect with partners or open APIs for better rate for other currencies
Loan and Investment
0% Loan Interest
Probable* 10%*** Investment Return
Real-Time Payment
Real-Time Payment using HADACoin and other Cryptocurrencies / Tokens through our Debit Card
*As required by authorities and regulators, a recent financial firm is prohibited from disclosing a definitive future profit rate.
**Subject to yearly business performance. Hibah is a discretionary gift provided to customers as a sign of appreciation for their business.
***Based on a fixed rate Islamic investment product where the profit rate is made known upfront according to the Islamic Financial concept of Murabahah (Cost-Plus Sale) and Tawarruq (Commodity Murabahah).
Bot & Ai
Bot HADA - Financial Management Bot/ Personal Financial Assistant (HUDA
Helps you in managing your daily or monthly expenses by displaying your daily expenditure & your limit; either set by you or account balance
Reminds you of your due bills, advises you and pays them accordingly, via a prioritized scheduled based on your current account balance (savings or even your e-Wallet)
Short term financial goals, e.g., Helps you to save for either the bag or the vacation you always wanted
Long term financial goals, e.g., Saving up for your dream wedding or early retirement plans
AI (Artificial Intelligence)
Personal Financial Advisor (HADI) (Basic) - Helps you to invest by providing unbiased financial advice
Cashback & Discount
Cashback and Discounts are rewarded when using our Debit Card, either physical or virtual forthe 1st year. Additional Cashback and Discount when paying using HadaCoin, FOREVER. Get additional discount from Partners and affiliates.
Point System
Collect points from your spending with our e-Wallet or Debit Card and convert it to cash or cryptocurrency/ token to spend more. Use it as additional discount to pay for anything you desire and save more on your purchase. You may also use the point collected to reedem anything you like on our partners e-Mall or physical outlet worldwide!
HADACOIN
We intend to raise capital for the development of HADA DBANK through its HADACoin. Buyers will be able to use HADACoin to perform banking transactions or daily activities. Our customers will be issued with a Debit Card, which enables them to perform transactions with our HADACoin, within our banking platform or other merchants globally.
HADACoin Distribution
55% Public
30% HADA DBANK
11% Bounty, Management, Advisors, Holding Company
4% Institutional and Retail Advisors
A total of 500 Million HADACoins will be issued. 295 Million coins will be offered for sale. Out of the 295 Million coins, 20 million will be allocated for private investors and institutional buyers. 50 Million of the 275 Million coins will be released during PRE-ICO exercise and the remaining 225 Million coins will be released in our ICO exercise in the near future. 10 Million coins will be allocated for the bounty campaign. All HADACoins purchased during the ICO stages will be in a lock-up period of 6 months before trading or transfers are allowed.
ICO STAGE 1 Funding target
Soft Cap = 5,000 ETH
Hard Cap = 30,000 ETH
Any remaining HADACoins not sold during the ICO will be placed into an escrow account for future utilization, in which the amount release in a month or a year will be appropriate as to not to incite nor encourage the "Pump and Dump" activity, which could effect the price of HADACoin in the market.
HADACoin is a ERC-20 coin created using Ethereum platform. A total of 500 Million HADACoins will be created. HADACoins will have 6 decimal units. Further info about HADACoin as stated below: - It has no intrinsic value nor it is a security,
- There is no guaranteed Monetary Profits such as Dividend, Return or anything related when buying our Coin as it is,
- You can use your Coins to:
Perform financial activities and services on our Banking Platform, - Pay for services using our Debit Card,
Receive Monetary Profits such as Dividends, Returns and anything of equivalent by keeping it in our Savings Account or utilize our Investment Solutions
Act as a collateral when you apply for our Unsecured and Term Loans
Trade it on Crypto-Exchanges and make more profit by increasing HADACoin’s value!
HADA DBank platform core components
Transaction Engine : Running on a Private Blockchain
Processing Module : For Interbank Payments and Clearing of oversea transaction
Key Server : Secure Online and Offline Storage of Keys
Exchange : For foreign currency and cryptocurrency / token
Debit Card : Running on Private Blockchain through custom APIs
Merchant : POS / Mpos AND api Plugin, Instant Payment Notification
Identity : Registrations, Enrolments, Limits, as well as Blocking
Mobile Wallet : That are Cross Platform and Native
Web Wallet : Accessible from any location using any browser
Examples of usage: Account Balance Reload & Remittance
For :
Smartphone : Download the HADA DBank app or
SMS : Fill-up a form at any participating outlets to create an account;
Reload their account and maintain a minimum amount annually to stay active;
Start sending money to any available channels on the app/ SMS system;
Sender will receive a unique code to confirm remittance on the app/ SMS system;
Receiver will receive a notification on the remittance;
Sender will receive a “Remittance Successful/ Unsuccessful” notification and a receipt.
OFFICIAL LINK
Website - https://www.hada-dbank.com/
ANN - https://bitcointalk.org/index.php?topic=2607739.0
Bitcointalk Profile - https://bitcointalk.org/index.php?action=profile;u=1205498
ETH ADDRESS - 0x2f024C06ac5F3bD661864c39c13e838925Cd193f
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