NewWaves Bank

Key Features

Core infrastructure designed for modern financial institutions.

Automatic Savings & Investment Growth

Users can earn interest on their savings with automated plans and real-time updates.

Instant Virtual Card Issuance

Create and manage virtual cards instantly using top providers like Stripe, Flutterwave, and BSICARDS.

Integrated Crypto Payment support (BTC, ETH, USDT)

Integrated with CoinGecko and CryptoCompare APIs to provide accurate exchange rates for deposits and withdrawals. Includes a robust 1-hour cache and API fallback system to ensure maximum reliability.

Fast International Wire Transfers

Send money anywhere in the world with automatic fee calculation and bank code validation.

Tax Refund Management

A unique, complete workflow for federal and state tax refunds. Features a high-security sensitive data pattern in the admin panel, where critical tax details are masked and hidden by default, requiring authorized multi-tier reveals for audit and approval pipelines.

Easy Account Type Management

Create as many account types as you want (Savings, Business, Corporate) with custom interest, fees, and **currency options** (fixed or user-selected).

Bank Reports & Statistics

See how your bank is growing with clear reports on deposits, loans, and currency usage.

Easy Bill Payments

Ready-to-use bill payment system for mobile airtime, electricity, and more via Reloadly and Flutterwave.

Fixed Deposits & Interest Engine

Offer high-yield savings with maturity dates, locked-fund locks, and automated interest distribution based on configurable rates.

Identity Verification (KYC)

Verify users automatically with Sumsub or check their documents manually from the admin panel.

Account Number Sequencing

Intelligent generation that prioritizes type-specific prefixes (Savings, Business) for precise institutional formatting.

Login as User

Administrative proxy capability to troubleshoot user issues directly by impersonating any client session instantly.

User & Admin Notifications

Multi-channel delivery system ensuring instant alerts for banking activities across both user and admin levels.

Support Ticket System

Dedicated help desk architecture for structured communication and technical assistance between users and staff.

tawk.io Live Chat

Real-time customer support integration allowing for instant engagement and support across the entire platform.

Google Captcha Security

Enterprise-grade bot protection and security layer for all sensitive authentication and financial transaction forms.

Sophisticated Portfolio Analyzer

Real-time visual breakdown of multi-currency assets and wealth distribution for a 360-degree financial overview.

Investment ROI Calculator

Interactive forecasting tool for users to project potential earnings and yields based on different high-yield plans.

Loan Amortization Calculator

Precision calculator for users to estimate monthly repayments and total interest costs for transparent loan evaluation.

Dual Premium Themes

Professionally designed landing pages for both "Luxury Gold" and "Modern" themes, fully conversion-optimized.

Dark & Light Mode

Pixel-perfect visual transitions between dark and light environments in the Gold theme for superior user experience.

Automated Payment Gateways

12+ instant integrations for global fund processing including Stripe, PayPal, and diversified Crypto gateways.

Deposits & Withdrawals

Flexible funding and exit paths with support for both automated API-driven workflows and manual administrative review.

Admin Balance Adjustment

Granular administrative capability to manage user wallet balances (Add/Subtract) directly with comprehensive auditing.

Global SMS & Email Hub

Centralized configuration suite for all system communication providers and dynamic notification template management.

Advanced SEO Management

Pulse-control over search engine visibility and social sharing metadata for every public-facing page on the platform.

Dynamic Navigation & Footer

Custom visual controllers to manage global links, icons, and menus without requiring any source code modifications.

Multi-Theme Visual Branding

One-click visual switching and granular branding controls to customize the platform's overall aesthetic and identity.

Referral System

Built-in incentivized growth engine. Users earn commissions on referred deposits, with admins having granular control over earning percentages and fixed amounts per transaction.

Administrative Cache Control

High-performance optimization suite allowing administrators to clear system and view caches instantly for real-time updates.

Exclusive Innovation Modules

Savings Goals Tracker

Users can set savings goals, see their progress with bars, and get alerts when they reach milestones.

Joint Accounts

Allow partners or teams to share an account with shared balances and access control for everyone involved.

Advanced Bank Statistics

See real-time data on how your bank is performing, including growth charts and currency popularity.

Intelligent Account Number Generation

Dynamic sequencing engine that prioritizes account-type prefixes (Savings, Business, Corporate) while maintaining global institutional formatting standards.

Admin Features

Total governance through a centralized dashboard with granular controls.

Manage All Users

Keep track of all customers, check their identity documents, and see their activity from a single profile page.

Flexible Account Types

Create different groups for Savings, Business, or Corporate accounts with their own interest rates and fees.

Global Money Control

Easily turn on or off Internal, Domestic, and International transfers. Set your own fees and limits for everything.

Manage Staff Access

Create accounts for your team members like Support or Auditors and control what they can see or do.

Website Settings & SEO

Update your website text, manage pages, and improve search engine rankings directly from the admin panel.

Security Monitoring

See all admin activity logs, track devices, and get alerts for any suspicious logins to keep the bank safe.

Growth & Stat Reports

Get clear numbers on bank wealth growth and see which currencies are being used the most.

Security & Disaster Recovery

Strong Authentication: Enforce 2FA and email verification. Define complex password policies with character rotation.

Session Management: Intelligent timeouts and concurrent session limits to protect against unauthorized access.

Backup Infrastructure: Automated SQL database dumps and secure file archiving with cloud rotation support.

IP & Device Security: Monitor login locations and restrict sensitive areas to specific networks/environments.

User Features

[*] Professional User Dashboard

Users can see all their balances, track how their wealth is growing, and see every transaction in a clean, modern interface.

[*] Works on All Devices

100% Mobile Responsive. It looks great on phones and tablets, and supports Dark/Light modes.

[*] Professional Support System

Built-in support tickets and Live Chat to help your customers in real-time.

[*] International Money Transfers

Send money locally, use SWIFT bank codes for global wires, or move crypto instantly with clear fees.

[*] Virtual Card Center

Users can get new cards, add money, freeze cards if lost, and see card details securely.

[*] Smart Investments & Savings

High-yield savings plans and investment options to help users grow their money automatically.

[*] Savings Goals

Create personal savings goals with progress bars to reach financial targets easily.

[*] Customer Care & Disputes

Contact support for any question or report any issue with a specific transaction.

[*] Tax Management Portal

Safe way to upload and track tax documents with privacy protection.

[*] Refer and Earn

Users can share their referral link and earn commissions when their friends deposit money.

Technical Specifications

Engineered for Perfection by NewWaves Projects.

Version 1.0 – 15 March, 2026

Initial Release