Banking Freedom
Built Onchain
Unlock a new era of personal finance — transparent, efficient, and truly yours. Take control of your wealth with on-chain banking that works for you, not against you.
Self-Custodial & Secure
Permanent and unalterable record of all transactions
Composable & Liquid
Seamlessly integrate with DeFi protocols
Real-Time Transparency
Dashboards with auditable and up-to-date metrics
Our Products
Complete financial solutions for your onchain journey
Frequently Asked Questions
Everything you need to know about HBank
What is HBank?
HBank is the fully onchain, self-custodial neobank built on Hedera Hashgraph. We provide a complete suite of financial services including liquid yield tokens for earning passive income, a multi-wallet portfolio tracker, crypto swaps through aggregated liquidity, and a credit card for seamless spending. Unlike traditional neobanks, you maintain full custody of your assets with complete transparency and verifiability on-chain.
How does the hUSD Vault work?
The hUSD Vault is our flagship product for qualified investors, currently offering 13.33% APY with over $0 in TVL. When you deposit assets, our delta-neutral strategies are applied to generate maximum yield through diversification across multiple blue-chip DeFi protocols. All operations are transparent and verifiable on-chain. For more details check our docs.
Is it safe to invest in Hbank?
Absolutely. Security is our top priority with enterprise-grade protection through Hedera's aBFT consensus mechanism. Our protocol is fully audited by recognized security firms, we implement multi-signature controls and MCP wallets for critical operations, and we maintain 100% on-chain transparency.
What are the fees?
During our testnet alpha phase, the protocol operates with zero fees—you only pay standard network transaction costs. As we transition to mainnet, we'll introduce transparent fee structures that may include management fees, performance fees, or both. All future fees will be clearly communicated and designed to align our success with yours.
How do withdrawals work?
We offer flexible withdrawal options to suit your needs. Standard withdrawals process within 48 hours at no additional cost. For immediate access to your funds, instant withdrawals are available with a 0.5% fee on the withdrawn amount and depends on available liquidity. All withdrawal transactions are processed on-chain and fully transparent.