HADA DBANK

What is DBANK?

HADA DBANK is the first Digital Bank to incorporate the Sharia Banking Module with Blockchain Technology to create ethical banking and responsible ecosystems. We currently feel uncomfortable with the clients' bad treatment of banks and financial institutions. There are players who earn money by air because of debt and interest. For this reason, the world economy has collapsed over time, as it emerged from the first century. Lack of responsibility assumed by the bank is very brave. That's why we chose to be part of the existing financial revolution by setting up banks, banks and people directly.

Care and staff: this is our core value, we manage and influence our services, processes, interactions, and business operations. These words will guide our organization internally and our external behavior to our clients and communities. We really want to be a caring bank to improve people's lives, not just profit. Personalization will also be the focus of our services. Different clients have different needs and require different attention and services. Customers must adjust DBANK HADA, as we believe that everyone can wear the same pants.

We want to be a 'fair' organization in the financial industry. The 2007-2008 financial crisis says how irresponsible some actors are acting as a bad reminder and millions of people can replace the entire industry by keeping the financial assets alive. Sharia banking, because of the idea of transparency, the exchange of profits and losses will weaken market manipulation and completely eliminate other domino conflicts.

The DBANK HADA team developed a complete Digital Blockchain Bank that will make life easier, regardless of the situation. They will be able to do banking activities at a cost of 0% and, at the same time, they will be able to receive quality service from us. We come not just for profit, but we also provide a much better banking experience and justify the benefits.

HADA DBANK Digital Bank will be the first Blockchain in the world to integrate sharia banking modules with Blockchain technology to create ethical banking and responsible ecosystems. The existing Digital Block and Banking Frames, such as the newly established Bank focusing on conventional banking services, we chose to obtain Sharia Banking services because of these shortcomings. The Sharia Bank in 2016 is worth $ 1.5 trillion worldwide.

Sharia banks are less risky and more flexible than their counterparts because they are bank deposits with capital and mobility requirements. Unlike conventional banking, deposits to Sharia Banks have the right to know what they do with bank money. They also have voting rights in which they have to save their money. Islamic banks also seek to avoid concerns at all levels of financial transactions and encourage risk sharing between creditors and borrowers.

There are two basic principles in sharia banking. One is the profit and loss department; and the prohibition of interest collection and payment by buyers and investors in two important aspects. Under Islamic law, collective interests or "Riba" are not allowed. In terms of profits, banks and good customers have been approved. If a loss occurs, the financial loss will be owned by the lender. In addition, Islamic banks can not create debt without supporting goods and services (eg, physical assets that include machinery, equipment and supplies) to support it. For this reason, deposits, deposits and investments in DBank will be supported by physical assets such as precious metals and precious stones.

Mission

Provide Ethical and Responsible Banking Services to all individuals, especially the "Unassailable" community today.

Vision

Switch to Leading Global Blockchain and Digital Bank that emphasize Ethics and Responsibilities through Sharia Banking Principles and Services.

FEATURES AND BENEFITS OF elite

1 Free random record and e-wallet

a.Smartphone - Banking Applications

b. Non-Smart Phone - SMS / USSD Code

2. Reserve and Withdrawals

A. At least 5% Saving Returns for each year

b. No withdrawal fee

Unique Features and Benefits

Free encrypted account and e-wallet

Saving and returning

Transfer, delivery and exchange

Loans and investment

Real-time payments

Now, why Islamic Bank?

The reason is, we aspire to be a ‘just’ organization in the financial industry. Islamic banking, due to its transparency, profit and loss sharing concept, will minimize market manipulation and eliminate another domino crash.

The demand in Islamic banking is tremendous. There are 1.7 billion Muslims worldwide, and this

number is growing.

According to World Bank, the Islamic financial industry has expanded rapidly over the past decade, at

10-12% annually.

Market

Our market will focus on the 1.7 billion Muslims globally. A more narrowed focus in this market will be the ASEAN population.

South Asia and East Asia and the Pacific together account for more than half the world’s unbanked adults. South Asia, home to about 625 million adults without an account, has about 31 percent of the global total; East Asia and the Pacific, with 490 million unbanked adults, accounts for about 24 percent.

The world’s unbanked adults by region

Adults without an account (%), 2014

Share of the world’s unbanked adults in China, India, and Indonesia

Adults without an account (%), 2014

There is a interesting fact about ASEAN

It has an unbanked population of approximately 438 million.
More than half of ASEAN’s population is under the age of 30.
It has a market penetration of 854 million smartphones, or 133% compared to its population; but only 53% of ASEAN’s population is online, which leaves significant room for market expansion in the future.

According that fact, makeus to focus on ASEAN as our secondary market.

Exclusive Features And Advantages

Free Encrypted Account & e-Wallet
Saving & Withdrawal
Transfer, Remittance & Exchange
Loan & Investment
Real-Time Payment

Bot & AI

Bot HADA - Financial Management Bot/ Personal Financial Assistant (HUDA)

AI (Artificial Intelligence)

Personal Financial Advisor (HADI) (Basic)

Helps you to invest by providing unbiased financial advice

Chasback and discount are rewaded when using our Debit Card, either phisycal or virtual for the 1th year and forever paying by using HADAcoin.

Points System

Collect points from your spending with our e-Wallet or Debit Card and convert it to cash or cryptocurrency/ token to spend more.You may also use the points collected to redeem anything you like onour partners’ e-Mall or physical outlets worldwide.

Bonuses and Bounties

Referral Bonus or Bounty when your referrals register with us

through your Referral Code.

HADACoin & your Savings are backed by valuable assets such as Precious Metals & insured according to Islamic Banking Principles for your peace of mind.

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.

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.

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

Allocation

Roadmap

Technology

HADA DBANK employs a private blockchain which is stored on every node in the network. By default,

the nodes are all controlled by HADA DBANK. Some nodes only store a copy of the blockchain and do

not take part in the transaction confirmation process (consensus protocol).

The main database of the core is implemented in a blockchain structure, where each block is a set of

transactions. Every new block defines a new state of the core according to the previous block’s state. In addition to the main database, there is another database that stores only the final state of the core. This database is optimized for fast reading and writing of account data during validation of new transactions.

HADA DBANK architecture consists of different components where each component is handling a

separate set of functions. This makes it easier to modify each of the components independently by expanding or adding new features, as well as design and launch new platform components. Interaction between platform components is performed through the message or request exchange, which is being broadcast over network channels.

A decentralized network of specialized computers validates and confirms transactions. In a general

case, these computers are under the control of HADA DBANK. Any transaction which was confirmed by the core is irreversible as it is stored in chronological order in the blockchain; even if its initiator can prove that transaction was unwanted or mistaken.

Therefore, we created HADA DBANK with the intention to make it easy and simple for everyone to

perform banking activities regardless of their social status. HADA DBANK will impose strict KYC procedures to hinder fraud and money laundering

Scheme of component relations in HADA DBank platform

Transaction processing in HADA DBANK platform

Scheme of precessing and updating the main database ( blockchain)

HADA DBank platform core components

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.

Management Team