HADA DBank - The First Digital Bank to Combine Sharia Banking Module with Blockchain Technology.

About HADA DBank.

Currently at HADA DBank we have developed a comprehensive Digital Blockchain Technology Bank that will make life easier for all the people of this World, regardless of their current status. They will be able to perform banking activities at a cost of 0% to be able to enjoy all of our highly qualified services.

HADA DBANK will become the first Digital Blockchain-based Digital Bank in the World to integrate the Sharia Banking Module with Blockchain Technology, which is to create an ethical and responsible Banking Ecosystem.

HADA DBANK provides alternative financial services for all consumers and investors. Currently the demand in Islamic banking is extraordinary. There are 1.7 billion Muslims around the world, and the number is growing. World Bank's total assets worldwide are estimated at between USD1.88 trillion, and will be USD2.1 trillion by 2016 and, is expected to reach USD3.4 trillion by 2018.

Vision and Mission HADA DBank.

Provide Ethical and Responsible Banking Services to all peoples of the World, and will be the First and Leading Global & Blockchain Global Bank to emphasize Ethics and Responsibilities

through Sharia Banking Principles and Services.

Signs on the Green color : Muslim Majority Countries.
Signs on the golden yellow : Countries that issue Sukuk.

There are two basic principles in Islamic Banking :

1). is the distribution of profit and loss.

2). Significantly, the prohibition of interest collection and payment by lenders and investors.

Collecting interest or "Riba" is not permitted under Islamic law. In the case of earnings, both the bank and its customers share in previously agreed proportions. In the event of a loss, any financial loss will be borne by the lender. In addition, sharia banks can not create debt without goods. This debt service will support physical assets such as machinery, equipment, and inventory, so our savings, deposits and investments with DBank will be supported by physical assets of precious objects such as metals and gemstones.

Secondary Market.

Apart from the 1.7 billion Muslims, and billions of others who prefer to subscribe to Sharia Banking Services, HADA DBank will also focus on 644.1 Million inhabitants of Southeast Asia (ASEAN).

Interesting facts about ASEAN :

1). Have a population that has no Bank account of about 438 million.

2). More than half of the ASEAN population is under 30 years of age.

3). Have a market penetration of 854 million smartphones, or 133% of the population, but only 53% of ASEAN population is online, leaving significant space for future market expansion in the state of Indonesia.

As an online Bank only, these facts convince us to focus on ASEAN as our secondary market. We are scheduled to offer our Syariah Banking Services gradually in the 2nd Quarter of 2018.

EXCLUSIVE FEATURES AND EXCELLENCE.

1). Free Encryption Account and e-Wallet :

• Smartphone - Banking Application.
• Non-Smart Phone - SMS / USSD Code.

2). Saving and Withdrawal :

• Minimum 5% Saving Return per year.
• No withdrawal fee.

3). Transfer, Remittance and Exchange :

• Free Transfer / Remittance, (Fiat & Cryptocurrency) between personal savings accounts and e-wallets.
• 0% fee on exchange transactions through HADA Exchange (between cryptocurrency). No charge on major Fiat currency for Fiat <> Crypto exchange.
• Connect with partners or open the API for a better ratio for other currencies.

4). Loans & Investments :

• Loan Interest 0%.
• 10% minimum investment return.

5). Real-Time Payments :

Real-Time Payments using HADACoin, and other Cryptocurrency, or Token via our Debit Card.

ABOUT HADACoin.

We intend to raise capital, which is for the development of HADA DBank through its HADACoin. Buyers will be able to use HADACoin to conduct banking transactions or various daily activities. For our customers, we have provided a Debit Card which will enable all our customers to perform various transactions using HADACoin which is already available from us.

Price of HADACoins during Pre-ICO.

HADACoin Distribution.

To be issued as many as : 500 million HADACoin.

Will be offered for sale : 295 Million coins.

Outside 295 Million coins, 20 million will be allocated to private investors, and institutional buyers.

50 million of the 275 Million coins will be released during PRE-ICO practice and the remaining 225 Million coins will be released in our ICO practice in the near future.

10 Million coins will be allocated for the bounty of the campaign.

Pre-ICO Funding target.

Soft Cap = 5,000 ETH.

Hard Cap = 20,000 ETH.

HADACoin is an ERC-20 coin made using the Ethereum platform. As many as 500 million HADACoins will be made.

The remaining HADACoin that is not sold during Pre-ICO will be included in the escrow account for future utilization.

More information on HADACoin as stated below :

A). Conducting activities and financial services in our Banking Platform.

B). Pay for service using our Debit Card.

C). Accept Monetary Gains such as Dividends, Refunds, and anything equivalent to depositing them in your Savings Account or utilizing our Investment Solutions.

D). Act as collateral when you apply for our Unsecured Loans and Futures.

E). Redeem in Crypto-Exchange and earn more profit by increasing HADACoin value!

Allocation.

• 35% of the capital collected through our PRE-ICO exercise will be allocated to R & D, (Research & Development).

• OPEX, (Operating Expense) will reach 30% of budget.

• CAPEX, (Capital Expenditure) will receive 20% of the capital collected.

• The last 15% will be saved as RESERVE.

HADA DBank reserves of up to 30% of total capital, in the nearest future in accordance with Sharia Law Finance

Roadmap HADA DBank.

Year, 2017.

NOVEMBER.

• Pre-ICO launches.

DECEMBER.

• Pre-ICO ends.

Year, 2018.

Q1, (First Quarter).

• Final Development & Testing for E-Money.
• Beta E-Money Functions Launch.
• ICO Launch.

Q2, (Second Quarter).

• ICO Ends.
• Official E-Money Functions release.
• Final development and testing for Banking Services.

Q3, (Third Quarter).

• Banking Services Launch.
• IT Labs to be setup in EU and MENA.

Q4, (Fourth Quarter).

• Unsecured Loan Launch.
• Development of a new open-source blockchain for SME begins.

Year, 2019.

OFFICIAL LAUNCH IN SOUTH EAST ASIA.

• Setting up of 1st Regional HQ to focus on ASEAN market.
• Setup of IT Labs in South East Asia.

LAUNCH :

• Term Loan.
• Investment Solutions.
• Beta AI Advisor.

Year 2020.

HADA DBANK EXPANSION.

• Expanding to other relevant markets.

SERVICES & SOLUTIONS.

• Islamic Insurance / Takaful.
• SME Solutions.
• Official AI Advisor Release (HADI).
• Additional Lab Setups.

LAUNCH :

• Investment Banking.

Team Success HADA DBank.

MOHD AL-Shazanous.
CEO / CFO, CO-FOUNDER.


Juan Mahussin.
CTO, CO-FOUNDER.


Linda Azmi.
CMO, CO-FOUNDER.


Marcos Macias.
COO.

ADVISORS Team HADA DBank.

Yousuf Ikram.
RISK MANAGEMENT and CONSULTANT.


Guan Seng Khoo (PhD).
RISK and DATA SCIENTIST.


David Drake.
INVESTOR RELATIONS.


Richard Gora.
INVESTOR EXPERT.


Robby Schwertner.
BLOCKCHAIN ECONOMY EXPERT.


Darrell Emmanuel.
INVESTMENT and ASSET MANAGEMENT.


Zahid Ali.
STRATEGIC BUSINESS DEVELOPMENT.


Faiz Ahmed Faiz.
MARKETING and CRYPTOCURRENCY.


Kevin Koo S.K.
LEGAL.


Col. Loc Hamaka Nawi.
SECURITY.

Islamic banking is not just for Muslims only, but it is for all the People of this World, we established HADA DBank aims to promote ethical, globally responsible banking. We have learned from the pitfalls of modern financial institutions, and that is why we chose Islamic Banking to forge a better future, comfortable and secure for all users, and the World community. We will be more conscientious decision-makers, supported by Market Insights, Digital-Tangible Analysis, AI-Enhanced Analysis, and Blockchain Technology that we all know, and no doubt, and will be of great benefit to us, and all customers , along with all the people of the Future.

So, it's time for us to follow all the systems and programs of this HADA DBank, which is clear, and also real different from the previous ones exist, let's join in HADA DBank, to become one big family, and also get the means of saving comfortable, and safe for all of us to get a Beautiful Future.

If you are interested, or feel something is not clear, you can see more details below,

WEBSITE : https://www.hada-dbank.com/

WHITE PAPER: https://drive.google.com/file/d/16nbPwXqjXRRmVKstu1dn4NobywANASkH/view

TWITTER : https://twitter.com/hada_ico

FACEBOOK : https://www.facebook.com/hadadbank.official/

TELEGRAM : https://t.me/HADADBank

Author By MCM10

Profile Link Bitcointalk : https://bitcointalk.org/index.php?action=profile;u=1767243