With Digital Banker™, you don't just use your money - you control it the way banks do. Safely. Automatically. Intelligently.
Empowerment
Renewal
Most people hand their money to a bank and hope for the best. The bank invests it, earns from it, and returns almost nothing to you. Digital Banker™ flips that model upside down. Instead of giving your money to a bank to grow for them, you use the same financial tools to grow it for yourself — all inside a platform that keeps your funds safe, encrypted, and always in your possession.
Simplicity
You don't need to be a financial expert. You don't need to understand complex investments. You just need a system that makes managing your own money simple, automatic, and secure. That's what Digital Banker™ does.
Digital Banker™ makes it easy and safe for anyone to "be the bank" —
and keep the upside that banks used to keep.
Why This Matters to You
When you manage your finances through Digital Banker™:
Your money works for you first (not for a bank).
Your spending becomes smarter, because your cash flow earns value before you use it.
Your daily financial habits create meaningful savings through DBRs.
Your path to homeownership becomes dramatically easier — with as little as 2% down.
You stay liquid through intelligent credit (Global Dollars) without selling your assets.
You keep control because your funds never leave your encrypted vault.
And you do all of this using the same everyday actions you already take:
getting paid, paying bills, tapping your card, moving money, and managing your budget.
The Digital Banker™ Flow — Simple, Smart, Automatic
| Step |  What Happens |  Your Benefit |
|---|---|---|
| 1. Money In | Your income is deposited into DB. | You stay in full control — no bank holds it. |
| 2. Buy Assets Automatically | A portion becomes REDs (Real Estate Dollars). | Your money grows like property value (tied to the Case–Shiller index). |
| 3. Borrow / Access Funds | You use Global Dollars for spending without selling assets. | You stay liquid and keep growing. |
| 4. Spend Normally | Pay bills, tap your card, transfer funds. | Zero lifestyle changes. |
| 5. Earn Rewards | Responsible management earns DBRs. | Reduce costs, save more, and lower your future down payment. |
| 6. Pay Back & Repeat | Your income replenishes, and the cycle strengthens. | Automatic, compounding financial advantage. |
Your income is deposited into DB.You stay in full control — no bank holds it.A portion becomes REDs (Real Estate Dollars).Your money grows like property value (tied to the Case–Shiller index).You use Global Dollars for spending without selling assets.You stay liquid and keep growing.Pay bills, tap your card, transfer funds.Zero lifestyle changes.Responsible management earns DBRs.Reduce costs, save more, and lower your future down payment.Your income replenishes, and the cycle strengthens.Automatic, compounding financial advantage.Everyday Banking, Rebuilt
Everyday Banking, Rebuilt for You Inside the app, you can:
Pay all monthly bills
Use your debit card anywhere Visa® is accepted
Move money between DB and your traditional bank
Track your assets, liquidity, and DBR savings
Follow your progress toward homeownership
Review all your transactions in one place
Digital Banker™ looks like a modern banking app — but functions like your personal wealth engine.
The 2% Down, No-Payment Home Path
By managing your income through Digital Banker™ and earning DBRs, members can reach homeownership faster and with dramatically less upfront cost.
Your everyday money builds the leverage you need — without loans, fees, or monthly minimums.
This is how thousands of families will afford homes they previously thought were out of reach.
"Digital Banker™ doesn't just help you manage money —
it helps you change what's possible with it."