oneBanking Whitepaper
  • 👋Welcome to oneBanking!
  • About us
    • 🚀Vision, Mission & Focus
      • Vision
      • Mission
      • Focus
    • 💖Values
  • Team
    • 👋Meet the Team!
  • Introduction
    • 📱Overview of the banking app
    • ⚡Objective and vision of the app
    • 🪙Importance of integrating crypto and fiat currencies
  • IBAN Account Features
    • 💱Setting up the IBAN account
    • Use of Multiple Currencies
    • 📲Making transfers and setting up standing orders
    • 💳Credit card functionality
    • 🔐Security measures and data protection
  • Crypto Integration
    • 💱The most important functions of cryptocurrencies
    • 💶Converting between crypto and fiat currencies
    • 📊The integration of an Exchange and Wallet
    • 💹The all-in-one exchange
  • Bonus Points and Rewards
    • 🎁Introduction to the Reward System
    • 🎯Bonus Points and Multipliers
    • ✖️Our Multipliers Explained
    • 👊Earning opportunities through an investment
    • 📳Earning opportunities through app activities
    • 📈Converting bonus points into tokens
  • AI Features
    • 🚗Introduction to AI-powered insurance services
    • 📊Personalized investment and saving recommendations through AI
    • 🎶Automation of transactions and standing orders
    • ⛑️Financial Coaching
    • 📶AI Trading Indicator
    • 🤖Expansion of AI capabilities
  • Token
    • 🪙Introduction to oneToken
      • Role of Tokens in the Ecosystem
    • ⚙️Token-Eigenschaften
      • Definition Utility Token
      • Technical Specifications
      • Total Amount and Their Significance
    • 🫴Token Distribution
    • ⏰Schedule and Phases of Distribution
    • 🔩Use Cases and Benefits
    • 🌐Token Economic Model
    • 🏴Roadmap and Future Prospects
  • Security and Privacy
    • 🔐Measures to ensure the security of user data and funds
    • 🏛️Compliance with regulatory requirements
  • Future Plans and Development
    • 🛫Roadmap for future features and services
    • 💭Involving the community in development
    • 🤝Partnerships and integrations with other financial service providers
  • FAQs
    • ⁉️Answers to frequently asked questions regarding the app's use, security, and handling of crypto
  • Conclusion
    • 📣Summary of key points
    • 💬Invitation to join the community
    • 📧Contact information and support
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  1. IBAN Account Features

Credit card functionality

We also rely on innovation and collaboration with partners for the functionality of our debit cards. To make the transition as simple as possible for you, we are working with CURVE.

Our physical credit cards are issued by CURVE. The advantage for you is that you can connect and use existing credit cards with our app. For ONE, this allows the implementation of an innovative function and no costs arise for the issuance of the credit card. Thus, revenue is generated for ONE, which benefits you as a user, and at the same time you have an incredibly great feature for all your credit cards in the ONE app.

The free package from CURVE offers you the opportunity to add another credit card and choose in our app which card you want to pay with. However, larger packages are also offered, providing you further benefits like Go Back in Time (later rebooking credit card payments) or generating cashback on your expenses. The choice is up to the user.

The user can decide whether to use this service or if they simply want to use the virtual credit card from ONE.

In addition, we are planning to link your crypto wallet directly to your credit card, allowing you to choose which currency or cryptocurrency your payments are processed with in the background. You can also use your crypto holdings as collateral (lending) and make Fiat payments without selling your cryptocurrencies.

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Last updated 1 year ago

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