🏛️ 𝐒𝐎𝐕𝐄𝐑𝐄𝐈𝐆𝐍 𝐁𝐀𝐍𝐊 The first hybrid, non-custodial Web3 bank built for true financial sovereignty.
Sovereign Bank is a decentralized financial ecosystem that merges the seamless experience of a classic neobank (Web2) with the absolute security of a cold wallet (Web3). We have no central authority: just your keys and your assets. We do not hold your funds and we cannot freeze them.
👁️🗨️ 𝐎𝐔𝐑 𝐌𝐈𝐒𝐒𝐈𝐎𝐍 In a world of increasing financial censorship, we offer an alternative where "Code is Law." Unlike traditional fintech giants, we provide full banking functionality without compromising your privacy or control.
Experience the Sovereign Bank interface and test the core mechanics right now:
Quick Access: Log in via
demo@sovereignbank.web3— the verification code will be inserted automatically, unlocking the exclusive God Mode control panel.
♜ 𝐅𝐎𝐑𝐓𝐑𝐄𝐒𝐒-𝐆𝐑𝐀𝐃𝐄 𝐒𝐌𝐀𝐑𝐓 𝐂𝐎𝐍𝐓𝐑𝐀𝐂𝐓 𝐀𝐑𝐂𝐇𝐈𝐓𝐄𝐂𝐓𝐔𝐑𝐄 Our core is a monolithic, upgradable smart contract (UUPS Proxy) that is already successfully passing 83 automated tests with 100% code coverage. We have embedded real-world threat protection directly into the architecture:
⎈ Sovereign Strict Mode™ (Anti-Poisoning): Address poisoning protection is shifted from the UI level directly to the blockchain. The smart contract acts as a firewall: any attempt to send funds to an address not on your personal on-chain "Whitelist" is automatically reverted.
⏳ Anti-Duress Timelock: If you are physically forced to transfer funds, the contract detects an atypical volume and queues the transfer for 72 hours. Once safe, you can cancel the transaction with a single click.
🧬 Digital Inheritance (Dead Man's Switch): A notary-free digital inheritance protocol. You designate an heir. If your wallet remains inactive for 365 days, the smart contract automatically transfers asset rights.
🤝 Trustless Guardians (Social Recovery): Seedless access recovery with anti-collusion protection. The process takes 3 days, giving the owner time to hit "Veto" if guardians attempt to act without their knowledge.
🔐 Smart Vaults & Panic Button: Digital safety deposit boxes with strict time-locks. In an emergency, the "Panic Button" allows you to instantly sweep all available funds to a secret cold wallet with a single click.
🧠 AI Agents (ERC-8004): Delegate portfolio management to trading bots. The AI can trade, but the withdraw function is permanently locked at the bytecode level.
💠 𝐒𝐄𝐀𝐌𝐋𝐄𝐒𝐒 𝐔𝐗: 𝐓𝐇𝐄 𝐈𝐍𝐓𝐄𝐑𝐅𝐀𝐂𝐄 𝐈𝐒 𝐋𝐈𝐕𝐄 We solved the main problem of DeFi — complex onboarding. The User Interface (UI) is fully built and directly connected to the blockchain logic via a Node.js backend.
🪟 Invisible Web3: Registration is as simple as entering an Email and receiving a 6-digit OTP code.
⛽ Gasless Transactions: Users don't need to buy crypto to get started. The bank's server sponsors the gas for deploying the client's smart account (EIP-712).
🎛️ SPA Dashboard: A fully-fledged banking application with 9 functional screens for managing limits, cards, vaults, and guardians.
🎯 𝐏𝐑𝐎𝐉𝐄𝐂𝐓 𝐒𝐓𝐀𝐓𝐔𝐒 & 𝐂𝐓𝐎 𝐒𝐄𝐀𝐑𝐂𝐇 We are currently closing a $335,000 Pre-Seed round. The engine is built and running.
We are actively seeking a strong technical co-founder (CTO) to help integrate Account Abstraction (ERC-4337) / MPC and securely launch the infrastructure on Mainnet. We need a professional for whom "results matter more than excuses." If you are ready to build a project that changes the game — welcome aboard.
Explore the Sovereign Bank vision in your preferred language. Click on the flags below to open the PDF presentation.
| Language | Pitch Deck (PDF) | Key Markets |
|---|---|---|
| English | Download / View | Global & Institutional |
| Español | Download / View | LATAM & Spain |
| Русский | Download / View | CIS & Relocators |
| 中文 (Chinese) | Download / View | Asian Markets |
| 🇦🇪 العربية (Arabic) | Download / View | MENA Region |
| Français | Download / View | Africa & Europe |
| German | Download / View | Africa & Europe |
Detailed technical breakdown of the Sovereign Bank architecture, including smart contract logic, Account Abstraction implementation, and security protocols.
| Language | Technical Whitepaper (PDF) | Focus Areas |
|---|---|---|
| 🇺🇸 English | Read Technical Docs | Architecture, ERC-4337, Gas Optimization |
| 🇷🇺 Русский | Техническое описание | Архитектура, Смарт-контракты, Безопасность |
This table represents why we are building this project. We are not just another fintech; we are a tool for freedom.
| Feature | Uphold (Custodial Giant) | Tangem (Hardware Gate) | Sovereign Bank (Web3 Revolution) |
|---|---|---|---|
| Philosophy | Corporate profit & control | Selling hardware devices | Financial Sovereignty & Community |
| Development Model | Corporate / Closed-source | Corporate / Hardware-locked | Community-driven / Open Source |
| Ownership | Custodial. They own your keys. | Device-based. No card — no access. | Self-Sovereign. Smart-contract based. |
| Privacy / KYC | Mandatory & Strict. Full ID. | Device-bound. Often requires KYC. | Anonymous Tier. Freedom Card (up to $1k). |
| Entry Barrier | High. App + invasive verification. | Medium. Must buy & wait for a card. | Zero. Instant start via Telegram/Email. |
| Censorship Resistance | None. Funds can be frozen easily. | Partial. Limited by the interface. | Absolute. Funds sit in a smart contract. |
| Availability | Restricted by jurisdictions. | Global, but limited by logistics. | Truly Borderless. Arbitrum + Telegram. |
We leverage the most advanced L2 and Web3 technologies to provide a banking experience that feels like Web2 but acts like Web3.
- Network: Arbitrum (L2) for low-cost, lightning-fast transactions.
- Protocol: Account Abstraction (ERC-4337) for a seamless, "seedless" UX (biometrics & social recovery).
- Interface: Telegram Mini Apps (TMA) & Web Dashboard.
- Smart Contracts: Secure, audited, and open-source logic for 1% fee processing and card limits.
- Freedom Card: Anonymous, instant issuance via Telegram, limits up to $1,000. No KYC required.
- Resident Card: Higher limits, requires KYC, assets remain under user-controlled smart contracts.
Sovereign Bank is built for sustainability:
- Revenue: Fixed card issuance fee + 1% transaction fee.
- Projected Profit: $5-7M by the end of Year 3.
- Funding: We are seeking $335,000 for a 15% equity stake to finalize MVP and scale to initial markets.
We believe in the power of community-driven development. Sovereign Bank is built by the people, for the people.
- 👾 ### Join our Community Discord Server
✈️ Telegram: (https://t.me/sovereign_bank_Web3)- 🐙 GitHub: Star this repo to support the movement!
Financial freedom is not a privilege. It is a human right.