CoinBank: A Decentralized Non-Custodial Digital Asset Investment and Banking Platform

The CoinBank whitepaper was written and released by the CoinBank core team in 2025, against the backdrop of increasing integration between digital finance and blockchain technology. It aims to address the pain points of traditional financial services in terms of efficiency, transparency, and accessibility, and to explore the future of decentralized banking.

The theme of the CoinBank whitepaper is “CoinBank: Building the Next Generation Decentralized Banking Ecosystem.” What makes CoinBank unique is its proposal of a set of blockchain-based decentralized financial protocols that combine smart contracts and cross-chain interoperability to realize core banking functions such as asset management, lending, and payments. The significance of CoinBank lies in providing users with a more open, inclusive, and efficient financial service platform, with the potential to redefine banking models in the digital age.

The original intention of CoinBank is to create a truly community-driven, transparent, and trustless global digital banking system. The core viewpoint presented in the CoinBank whitepaper is that, by integrating decentralized identity, programmable assets, and automated governance mechanisms, it is possible to achieve an efficient, low-cost, and globally accessible financial infrastructure while ensuring security and compliance.