Clear and secure digital banking

Everyday banking,made simple and clear.

Manage accounts, send money, exchange currencies, and build savings in one intuitive space with every status and fee clearly explained.

Admin-approved onboardingTransparent transaction status

Personal banking dashboard

Welcome, Minjun Kim

Total assets

₩24,850,000

Latest update

Everyday account

₩18,240,000

Savings account

₩6,610,000

+0.26%

Today’s exchange rate

USD / KRW

₩1,382.40

Recent activity

Transfer to Seo-jun Park

Completed

-₩150,000

Salary deposit

09:42

+₩3,200,000

All balances and transactions shown are simulated.

Global Scale & Trust

Join the world's financial superapp.

0

Global Customers

$0

Processed Annually

0%

Uptime Guaranteed

#3 Most Downloaded

Finance App Globally

4.7 / 5.0

Based on 2M+ Reviews

Best International

Payments Provider 2025

Best Consumer Bank

Mobile App 2025

Customer Satisfaction

Gold Standard Award

Consumer Guardian

Security Badge 2025

Certified by industry payment networks & security standards

kpay
tosspayments
ISMS-PKISA Verified
kpay
tosspayments
ISMS-PKISA Verified
kpay
tosspayments
ISMS-PKISA Verified

Biometric Encryption

Your private keys are tied directly to your device's secure enclave. Transfers require physical biometric authentication to execute.

AI Fraud Prevention

Our proprietary machine learning models analyze transaction behavior in milliseconds, blocking suspicious activity before it hits the ledger.

1:1 Cold Storage

We are not a lending bank. Every dollar you deposit is backed 1:1 and secured in institutional-grade cold storage. Your money is always yours.

The Ecosystem

Everything you need.
Nothing you don't.

Limitless Virtual Cards

Generate dedicated USD, GBP, or EUR cards for different subscriptions in seconds. Freeze or terminate them with a tap.

Create virtual card

**** 9012

VIRTUAL • Jieun Lee

**** 4432

METAL • Jieun Lee

Global Transfers

Send money across borders instantly with real-time mid-market exchange rates and zero hidden fees.

N
-$14.99
S
-$9.99

Auto-Pilot Bills

Automatically detect subscriptions. Never pay for a service you forgot to cancel again.

Real-Time Direct FX Engine

Zero hidden margins.
True market remittance.

We eliminate telegraphic transfer fees, intermediary banking costs, and unfair FX spread markups. Send money abroad at institutional mid-market rates with guaranteed delivery.

Estimated Savings

27,500

Save up to 85%
Traditional Bank Cost27,500
Heritage Trust Bank Transfer Fee0 KRW
Guaranteed DeliveryInstant (~10 min)
Compliant with simulated regulatory foreign exchange annual reporting standards.

Live Currency Converter

Connected to live market rates

South Korean Won
1 KRW = 0.0007 USD
US Dollar
721.76
Zero Hidden MarginsInstant Ledger Credit
Automated Salary Routing

Your paycheck, sorted the second it lands.

The moment your salary arrives, it instantly splits into dedicated living, emergency, and high-yield buckets based on your custom rules.

Heritage Trust Bank Smart Account
12:45 PM

Monthly Payroll

Kakao Enterprise Corp.

₩ 4,850,000

Minjun Kim (Main)

Living Expenses₩ 2,000,000
High-Yield Savings₩ 1,500,000
Foreign Vault (USD)₩ 1,350,000

Verified Account Number

042892155001

Commission-Free Simulation

Explore 5,000+
stocks and ETFs globally.

From Apple to Samsung, invest in world-leading companies with simulated capital at real-time market valuations with zero commissions.

Simulated demonstration environment. No actual capital risk.

Apple Inc.

AAPL • NASDAQ

$173.50

+1.05% Today

NVDA

$875.28

+4.12%

005930

₩78,500

+1.68%

Heritage Trust Bank Secure Infrastructure

Your money's
safest digital space.

With immutable ledger principles, no administrator can ever overwrite ledger entries or expose passwords. 24/7 proactive defenses protect your funds.

24/7 Real-Time FDS Monitoring
FIDO Biometric Multi-Factor Auth
Proactive Cyber Threat Defenses
Dynamic Single-Use CVV Engine
Login Secured
Suspicious IP Blocked
The Future of Banking

Join Heritage Trust Bank's platform today

Open a full simulated digital banking account in under 3 minutes. Free multi-currency wallets, instant cards, and real-time ledger accounting.

Optimized for mobile & web. Built as a technical demonstration portfolio piece.