U

Good morning, John

Welcome to your personal banking dashboard

Total Net Available Balance
Account Active

HK$245,500.00

Advantage Checking • Account: 1000000001 +4.50% APY Compounding

Virtual Debit Card

Heriaga Platinum
Active
Heriaga Platinum
H
CHIP
4532 •••• •••• 8821
Cardholder JOHN DOE
Exp / CVV 08/29 • 892

Account Activity & Cash Flow Trends

Historical inflow and outflow volume over time

Monthly Summary

September 2026
Total Received HK$0.00
+100% Inflow
Total Sent HK$0.00
0% Fee
Credit Limit Available:
Overdraft Protection:

Savings Goal Vaults

4.50% APY

Lending & Credit Desk

10% Fixed APR
Active Loans: 0 Active
Next Repayment Due: None Pending
Credit Risk Grade: Tier 1 (Prime)

Live Transaction History

Real-time atomic debit & credit ledger propagation

Transfer Money

Send funds securely to any 10-digit registered account.

Available: $1,500.00
$
Card Management Suite

Virtual Debit Cards & Spending Controls

Manage your 3D digital cards, toggle security freezes, and configure daily online spending limits.

Heriaga Platinum Virtual Multi-Currency Card
H
CHIP
4532 •••• •••• 8821
Cardholder SARAH SMITH
Exp / CVV 08/29 • 892
Instant Card Freeze Card is Active & Authorized
International Payments Cross-border USD/EUR checkout

Card Spending Limits

Daily Online Transaction Limit HK$500,000.00
HK$50,000 HK$1,000,000 HK$2,000,000
Monthly Single-Purchase Cap HK$1,500,000.00
Security Architecture

Zero-Liability Virtual Tokenization

Virtual card numbers mask your true primary checking account. In the event of merchant compromise, freeze or replace this virtual card in one tap without affecting your core checking balance.

Transaction History

Complete statement of all account debits and credits

Transaction / Party Reference Date & Time Type Amount Status Action
Personal & Business Credit

Apply for a Loan

Submit your application for immediate credit underwriting and review.

Interest Rate: 10.0% APR Fixed
Total Repayment: HK$550,000.00
Monthly Installment: HK$45,833.33 / mo

My Loan Applications

Notifications Center

Account updates & real-time transaction alerts

Account Management

Profile & Security Settings

Manage legal identity, multi-currency preferences, notification channels, and session security.

KYC Verified Tier 1

Personal & Legal Details

Core Identity

Security & Auth

Bcrypt Protected
Two-Factor Authentication Authenticator App / SMS OTP
Enabled
Session Token Expiry Stateless JWT 24h
Active
Biometric Passkey Touch ID / Face ID hardware unlock

Preferences

Direct Deposit & Wire Instructions

Receive Money

Share your verified 10-digit account details to receive instant digital funds from any user.

Your Verified 10-Digit Account Number

1000000001

Account Legal Name John Doe
Account Type Advantage Checking (Savings)
CHATS Clearing Code / FPS 072 • FPS ID: HERIAGA-HK-CORE
SWIFT / BIC Code HBHKHKHHXXX
Clearing Bank HeriagaBanc HK (Two IFC, Central, Hong Kong)
Inbound Settlement Speed Instant (Real-Time Clearance)
Account Registry

My Account Summary

Complete record of your ledger registration, currency, and status parameters.

● Active
Account Holder

John Doe

Savings • Multi-Currency Enabled
H
Account Number 1000000001
Available Balance HK$245,500.00
Account Status: Active & Verified
Ledger Currency: HKD (HK$ Hong Kong Dollar) / USD ($)
Date Opened: 25 August 2026
Overdraft Protection: Enabled (HK$50,000 Buffer)
Configuration

Settings & Preferences

Manage security PINs, notification alerts, and localization preferences.

Security

Transaction PIN 4-digit verification code for transfers
Active Login Sessions Current device: Chrome on Windows 11
Active Now
Biometric Authentication (Touch ID / Face ID) Activate or manage WebAuthn biometric passkey
Regulatory Identity Verification (KYC) Government ID & Live Facial Verification status
Checking...

Notifications

Email Transaction Alerts Receive instant email receipts on all debits and credits
Loan Underwriting Updates Receive in-app toast updates when status changes

Preferences

In-App Support Desk

Help & Knowledge Center

Quick answers, banking architecture guides, and digital support ticketing — all inside your secure dashboard.

In-App FAQs

Browse common questions

Security Center

Fraud protection & limits

Report Problem

Instant ticket logging

Frequently Asked Questions

How do digital P2P transfers work? ↓

Transfers execute atomically against a JSON double-entry ledger. When you enter a verified 10-digit Account Number (e.g. 1000000002 for Sarah Smith), funds debit and credit synchronously in <200ms.

How do I fund my multi-currency account? ↓

You can fund your account by receiving transfers from any registered account, or by sharing your verified 10-digit account number and SWIFT/BIC code for inbound wire deposits.

How do I freeze or unfreeze my virtual debit card? ↓

Navigate to the 'Cards & Limits' tab in your sidebar. Click the 'Freeze Card' button to instantly quarantine your 3D debit card from online charges.

Administrator Level

HeriagaBanc HK System Control Panel

Manage digital customers, review loan applications, freeze accounts, and inspect audit logs.

Customers

0

Total Deposit Balance

HK$0.00

Today's Txns

0

Pending Loans

0

Total Txns

0

Customer Accounts

Freeze / Unfreeze Management
Customer Account No Balance Status Action

Loan Applications

1-Click Disbursement

System Audit Logs

Action User Details Timestamp