Connect your traditional bank account directly with your digital asset portfolio. PalaBank enables instant, secure transfers between fiat currencies (USD, EUR, KRW, and more) and cryptocurrencies including PLB, BTC, ETH, and stablecoins.

• Instant Conversion: Exchange fiat to crypto and vice versa with real-time market rates and minimal fees.
• Multiple Currencies: Support for over 30 fiat currencies and 100+ cryptocurrencies across major blockchains.
• Bank Integration: Direct connection to your checking or savings account via secure banking APIs, eliminating third-party intermediaries.
• Regulatory Compliance: Full KYC/AML compliance ensures all transactions meet international banking standards.

Take control of your financial life with intelligent tracking, budgeting, and analytics tools designed for the modern hybrid economy. PalaBank provides comprehensive insights into both your traditional and crypto finances.

• Unified Dashboard: View all your assets—bank balances, crypto holdings, investments, and liabilities—in one consolidated view with real-time valuations.
• Budget Management: Set spending limits, create savings goals, and receive smart alerts when you're approaching budget thresholds.
• Transaction Analytics: Visualize your spending patterns with detailed charts and categorization. Understand where your money goes across both fiat and crypto transactions.
• Portfolio Performance: Track ROI on your crypto investments, compare against market indices, and receive personalized insights to optimize your holdings.
• Tax Reporting: Automated tax calculation for crypto gains/losses with exportable reports compatible with major tax software.

Send money anywhere in the world within seconds, not days. Leveraging blockchain technology, PalaBank eliminates traditional banking delays and excessive international transfer fees.

• Lightning-Fast Settlement: Blockchain-powered transfers settle in under 3 seconds, compared to 3-5 days for traditional wire transfers.
• Ultra-Low Fees: Pay as little as $0.50 per transaction regardless of amount, versus $25-50 charged by traditional banks for international wires.
• 24/7 Availability: Unlike banks with business-hour limitations, send money any time, any day—even on weekends and holidays.
• Multi-Currency Support: Recipient automatically receives funds in their preferred currency—fiat or crypto—without manual conversion.
• Transparent Tracking: Monitor your transfer in real-time with blockchain verification, including confirmation status and estimated arrival time.

Your assets, your control. PalaBank employs a non-custodial wallet architecture, meaning you—and only you—hold the private keys to your digital assets. Combined with enterprise-grade security, your funds remain safe and accessible only to you.

• Non-Custodial Wallet: Private keys are stored locally on your device, encrypted with military-grade AES-256 encryption. PalaBank cannot access, freeze, or confiscate your funds.
• Biometric Authentication: Unlock your wallet with Face ID, Touch ID, or fingerprint—no passwords to remember or lose.
• Multi-Signature Protection: Optional multi-sig setup requires multiple device approvals for large transactions, preventing unauthorized access even if one device is compromised.
• Secure Backup: Encrypted cloud backup of your wallet ensures recovery even if you lose your device, with 12-word recovery phrases following BIP-39 standards.
• Real-Time Fraud Detection: AI-powered monitoring flags suspicious activity and alerts you instantly, with the ability to freeze accounts temporarily.

Why juggle multiple apps when you can have everything in one place? PalaBank consolidates your entire financial ecosystem—traditional banking, crypto trading, investments, payments, and more—into a single, elegant mobile experience.

• Unified Balance Sheet: See your complete net worth across all accounts, wallets, and investments in real-time with automatic synchronization.
• Payment Flexibility: Pay merchants, friends, or bills using either fiat or crypto. PalaBank automatically converts at point-of-sale if needed.
• DeFi Integration: Access decentralized exchanges, lending protocols, and yield farming directly from the app—no need to use separate DeFi platforms.
• Card Issuance: Request a PalaBank Visa card linked to your account for traditional point-of-sale purchases, with crypto-backed spending limits.
• Merchant Tools: Business accounts can accept crypto payments, automatically convert to fiat, and generate invoices—all within PalaBank.