HADA DBANK│1ST DIGITAL BANK TO PROVIDE ISLAMIC BANKING

HADA DBANK is the first Digital Bank to integrate the Sharia Banking Module with Blockchain Technology, to create an ethical and responsible banking ecosystem. It aims to be your financial partner, not just the financial institution you use for transactions. This whitepaper will explain how HADA DBANK is in ff erent, and our steps will take the direction of our goal.

Mission

Providing Ethical and Responsible Banking Services to everyone, especially when "no bank account" Population.

Why Islamic Banking?

Our reason is simple. We aspire to become 'only' organizations in the finance industry. The 2007-2008 financial crisis serves as a grim reminder of how some irresponsible players could overturn the entire industry, placing millions in financial ruins. Islamic banking, because the concept of transparency, profit and loss sharing, will minimize market manipulation and eliminate other domino accidents.

There are two basic principles in Islamic banking. One is the sharing of profits and losses; and two, significantly, the prohibition of interest collection and payment by lenders and investors:

There are 1.7 billion Muslims worldwide, and this number is growing:

According to the World Bank, the Islamic finance industry has grown tremendously over the last decade, at 10-12% per year. 

Of course, our market will focus on Muslims 1.7 billion globally. The more narrow focus in this market will be the population of ASEAN.

The world does not have an adult bank account by region without account (%), 2014:  

Parts of the world do not have adult bank accounts in China, India and Indonesia Adult without account (%), 2014:

Interesting facts about ASEAN:

1. It has a population with no bank account about 438 million ¹.

2. More than half of ASEAN's population is under the age of 30.

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

EXCLUSIVE FEATURES AND BENEFITS

1. Free Encrypted Accounts & e-Wallet

2. Savings & Withdrawals

3. Transfer, Remittance & Effect

4. Credit & Investment

5. Real-Time Payment

HADACOIN

We intend to raise capital for the development of DBANK HADA through HADACoin. Buyers will be able to use HADACoin to conduct banking transactions or day-to-day activities. Our customers will be issued with a Debit Card, which allows them to conduct transactions with our HADACoin, in our banking or other merchants globally.

HADACoin is an ERC-20 coin made using a Ethereum platform. A total of 500 million HADACoins will be created. HADACoins will have 6 decimal units.

ALLOCATION

R & D

35% of total funds raised Hire minimum 50 programmers, coders and IT professionals for platform, product and service development 7 Labs in 5 years

  1 - Switzerland

  2 - Estonia

OPEX (EXPENDITURES)

30% of total funds raised Hiring executive management initiative marketing Merchant partnership & Organization A liations FFI

CAPEX (CAPITAL SHOPPING)

 20% of total funds collected Getting o ces FFI, hardware investment, business assets, precious metals and gems

BACKUP

 15% of the total funds raised will not be used except for the fullest need by top management, collectively and unanimously. Will increase to at least 30% as per Islamic Finance Law.

HADA DBANK employs a private blockchain that is stored on every node in the network. By default, all nodes are controlled by DBANK HADA. Some nodes only store copies of blockchain and do not take part in the transaction confirmation process (consensus protocol). the node can act as a gateway or backup server node. A node that acts as a validator can be found in a secure network segment of the bank and will be available through the gateway node.

The main database of the core is implemented in the blockchain structure, where each block is a set of transactions. Each new block defines the new core state according to the previous block state. The integrity of this core database is provided by blockchain and consensus on it. Each block is cryptographically associated with the previous block. This feature ensures the ability to validate the database and transaction history at any time in the future. The database keeps the main data all the way through the core.

The core platform component of DBAD HADA

HADA DBANK will issue a prepaid debit card. This prepaid debit card will allow customers to have no bank account to make cashless transactions. They are not required to have a bank account or e-Wallet with us to enjoy this service. Customers can also make withdrawals and cashback through ATM partnerships and global traders. The ease of buying this card is our main focus. That said, customers will be able to get this card in participating in FFI liates, as well as in mom and pop stores.There will be no service and withdrawal fees for customers to enjoy this service. HADA DBANK will enforce strict KYC procedures to inhibit fraud and money laundering.

Account Balance Reload & Remittance

1. To:  A. Smartphone: Download the DBAD or HADA app

SMS: Fill-up the form at each participating outlet to create an account

2. Reload their accounts and maintain a minimum amount every year to stay active;

3.Start sending money for every channel available on the application system / SMS;

4. The sender will receive a unique code to confirm remittance on the application system / SMS;

5. Receiver will receive notification of remittance;

6. The sender will receive "Remittance Success / Failed" notices and receipts.

The management team

CEO / CFO, CO-FOUNDER - MOHD AL-SHAZANOUS

CMO, CO-FOUNDER - LINDA AZMI

CTO, CO-FOUNDER - MAHUSSIN ALSO

COO - Macias MARCOS

BANKING ISLAM & FINANCE Emeritus Dr Barjoyai Bardai

RISK MANAGEMENT & CONSULTANT Yousuf Ikram

STRATEGIC PARTNER

DE Asset Management

DE Asset Management was established in 2010 as the sole owner by the name of Darrell Emmanuel Asset Management. Early on, they invested in the Energy Sector, especially Green Energy. They then focus their investment on the Employment Industry where they have measured success. They then turned their attention to Health and succeeded. In 2017, their plan to focus on Technology.

Baker Green Ltd

Baker Green Ltd. is a specialist block chain and ICO consultant and advisors who have developed a unique system while working with new and innovative projects; this has been achieved through being on the ground and advising in an ever-changing environment. It's important to stay up-front and up to date with what's going on in the field, this is where we have the experience and expertise by advising projects like Viuly.com / Viuly.io and  triforcetokens.io  (as well as others).

KAMEELANCONSORSIUM

The KAMEELAN KONSORSIUM is a group of expert and professional consultants with experience in Islamic Banking and Finance, Economic Transformation, and Halal industry that has been o ff ering and serving the industry in Malaysia and in the international arena. Among board advisors are former founders and pioneers in highly specialized and deep demand sectors.

RISK AND UNCERTAINTY

Potential buyers from HADACoins should carefully consider and evaluate all the risks and uncertainties associated with Distributors and businesses and operations, the HADACoins, and HADACoin Pre-ICO, all the information specified in White Paper and T & Cs prior to each purchase of HADACoins. If any such risks and uncertainties develop into actual events, the business, financial condition, results of operations and prospects of Distributors can be material and negative a reflected ff. In such cases, you may lose all or part of the HADACoins value.

DEFINITION

Throughout this document, the following definitions should be used:

1. "White paper" refers to a document explaining Hada DBank and HADACoin available for download from the website http://www.hada-dbank.com 
2. "HADACoin" refers to the 20 tokens ERC Evidence issued by the Distributor using Ethereum Blockchain for fundraising purposes for the development of DBank HADA by the Company.
3. "HADA DBank" refers to the Blockchain-based banking application referred to in the White Paper.
4. "Distributor" refers to the Malaysian company, AZ Global Marketing Sdn. Bhd. (Company No. 1.187.242-K) and promoters of HADACoin Pre-ICO.
5. "Company" refers to any future company to be established in Switzerland by Distributors after the Pre-ICO fundraising exercise to develop and own DBAD HADA.
6. "HADACoin Pre-ICO" refers to the initial round of fundraising exercises by Distributors to raise funds for the development of DBAD HADA by the Company through the sale of HADACoin.
7. "T & Cs" refers to the terms set forth in the agreement between the Distributor and You for the sale and purchase of HADACoin and shall be treated as a separate document from this Notice.

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Aditya Rizki

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