HADA DBANK

Maret 25, 2018

What is DBANK?

HADA DBANK is the first Digital Bank to combine Sharia Banking Module with Blockchain Technology, to create an ethical and responsible banking ecosystem. We are troubled by the current bank and financial institution persecution of their customers. Existing players make money out of thin air from debt and interest. This is why the global economy has collapsed over time, evident since the 1st century. The lack of responsibility charged by banks is brave enough. This is why we chose to be part of the current financial revolution through the establishment of a Bank, a caring and personal bank.

Caring and Personal: this is our core value, shaping and influencing services, transactions, interactions and running our business. These words will guide our behavior internally within our organization, and externally with our customers and society. We aspire to be a bank that really cares to improve people's lives, not just profit from it. Personalization will also be the main focus of our services. Different customers have different needs, and require different services and attention.

DBADK's HADA customers will have customized services because we believe, not everyone can wear the same pants.
We aspire to be a 'fair' organization in the financial industry. The 2007-2008 financial crisis serves as a grim reminder of how some irresponsible players can replace an entire industry, leaving millions of people in financial ruin. Sharia banking, because of transparency, the concept of sharing profit and loss, will minimize market manipulation and eliminate other domino clashes.

The DBANK HADA team will develop a comprehensive Blockchain Digital Bank that will make life easier for everyone, regardless of their status. They will be able to perform banking activities at a cost of 0% and at the same time enjoy our quality service. We are here not just for profit, but to make a justified profit while ensuring a better banking experience.

HADA DBANK will become the world's first Blockchain-based Digital Bank to integrate Shariah Banking Module with Blockchain Technology, to create an ethical and responsible banking ecosystem. As our existing Digital Bank and newly created Blockchain Bank focus on Conventional Banking services, we chose to win Islamic Banking services due to the lack of such facilities. In 2016, sharia banking is worth USD 1.5 trillion globally.

Islamic banks are less risky and tougher than their peers, due to the aspect of their capital needs and the mobility of their bank deposits. Unlike Conventional Banking, deposits to Sharia Banks are entitled to be informed of what banks do with their money. They also have a vote in which their money should be invested. Islamic banks also seek to avoid interest at all levels of financial transactions and encourage risk sharing between lenders and borrowers.

There are two basic principles in sharia banking. One is the sharing of profits and losses; and two, significantly, the prohibition of interest collection and payment by creditors and investors. Collective interest or "Riba" is not permissible under Islamic law. In terms of profit, both the bank and its customers in the form agreed upon. In case of loss, all financial losses will be incurred borne by the lender. In addition, Islamic banks can not create debt without goods and services to support it (ie physical assets including machinery, equipment, and inventory). Therefore, our deposits, deposits and investments with DBank will be supported by physical assets such as precious metals and gemstones.

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

SECONDARY MARKET

Regardless of the Muslim population of 1.7 Billion and billions of others who prefer to subscribe to Islamic Banking services, DBANK HADA will also focus on a population of 644.1 million people in Southeast Asia (ASEAN).

Interesting facts about ASEAN:

Has a population that is not budgeted about 438 million.
More than half of the population in ASEAN is under 30 years of age.

It has a market penetration of 854 million smartphones or 133% compared to the population, but only 53% of the ASEAN online population, leaving significant room for future market expansion in Indonesia.

As a specialized online bank, this fact convinces us to focus on ASEAN as our secondary market. We are scheduled to offer our Syariah Banking Services gradually in the second Quarter of 2018.

SECONDARY MARKET

Regardless of the Muslim population of 1.7 Billion and billions of others who prefer to subscribe to Islamic Banking services, DBANK HADA will also focus on a population of 644.1 million people in Southeast Asia (ASEAN).

Interesting facts about ASEAN:

Has a population that is not budgeted about 438 million.
More than half of the population in ASEAN is under 30 years of age.
It has a market penetration of 854 million smartphones or 133% compared to the population, but only 53% of the ASEAN online population, leaving significant room for future market expansion in Indonesia.
As a specialized online bank, this fact convinces us to focus on ASEAN as our secondary market. We are scheduled to offer our Sharia Banking Services gradually in the second Quarter of 2018.

EXCLUSIVE FEATURES AND BENEFITS

1 Free encrypted account and e-wallet
a.Smartphone - App Banking
b. Non-Smart Phone - SMS / USSD Code

2. Savings and Withdrawals
a. Minimum 5% Savings Return per year
b. No withdrawal fees

3. Transfer, Remittance & Exchange
a. Transfer / Remittance of free funds (FIAT & Cryptocurrency) between personal savings account and e-wallett
b. 0% fee on exchange transactions via HADA Exchange (between cryptocurrencies). There is no charge on the main FIAT currency during FIAT exchanges
c. Connect with partners or open the API to get better interest rates for other currencies

4. Loans & Investments
a. 0% Loan Interest
b. 10% minimum investment return

5. Real-Time Payments
Real-Time Payments use HADACoin and Cryptocurrencies / Tokens via our Debit Card

Point System

Collect points from your expenses with e-Wallet or Debit Card and change into cash or in the form of Criptocurrency / token. Use it as an additional discount to pay for whatever you want and save more on your purchase. You can also use points collected to redeem anything you like in partner e-malls or physical outlets around the world.

HADACOIN

HADACoin was created and intends to raise capital for the development of DBANK HADA. Buyers will be able to use HADACoin to conduct banking transactions or daily activities. DBANK's HADA customers will be issued with a Debit Card, which allows them to transact with HADACoin on a banking platform or other merchant globally.

HADACoin RepresentsCkoin ERC-20 made using Ethereum platform. A total of 500 million HADACoin will be created. HADACoin will have 6 decimal units. More information on HADACoin as stated below:
- has no intrinsic value and also security,
- There is no guaranteed Monetary Provision such as Dividend, Return or anything related when buying,
- You can use your Coins to: Conduct financial activities and services on our Banking Platform, Pay for services using DBANK HADA Debit Card, Receive Monetary Projections such as Dividends, Refunds and anything equivalent to storing them in HADA DBANK Savings Account or using HADA Investment Solutions DBANK. Act as collateral when applying for Unsecured Loans and Term HADA DBANK. Market it in Crypto-Exchanges and make more profit by increasing HADACoin value

PRE-ICO (50 Million HADACoin)
Pre-ICO will begin on December 20, 2017 (00:00 EST) and end on 31 January 2018 (00:00 EST)

Price HADACoins during Pre-ICO

HADACoin Distribution

A total of 500 million hADACoins will be issued. 295 million Coin money will be sold. Outside of 295 million coins, 20 million will be allocated to private investors and institutional buyers. 50 Million coins 275 Million will be released during the PRA-ICO exercise and the remaining 225 million coins will be released in ICO practice in the near future. 10 million coins will be allocated to the gift campaign.