Startup Showcase: ioBanker – Empowering Digital Full Reserve Banking on Blockchain Platform

ioBanker is a digital full reserve banking platform based on blockchain technology. Operating from Estonia, ioBanker is changing the way people save their financial reserves online with the concept of full reserve banking or 100% reserve banking. With its unique approach to financial services, ioBanker is empowering people to be their own bank and providing frictionless decentralized exchange features and cross-border remittances around the world. This startup showcase will explore how ioBanker is revolutionizing the financial services industry with its blockchain-based platform.

Digital Full Reserve Banking

ioBanker’s concept of digital full reserve banking is a revolutionary approach to financial services. It allows individuals to take control of their finances and be their own bank. With digital full reserve banking, users hold their funds in their own accounts, which are backed by a 100% reserve of assets. This eliminates the risk of banks using their deposits for risky investments or loans, providing users with a safer and more transparent way of managing their finances.

Blockchain Technology

At the heart of ioBanker’s platform is blockchain technology. The platform is built on a core of proprietary technologies and e-money, which embraces a future where people and businesses around the world have access to safe, transparent, fair, logical, and affordable financial services. By using blockchain technology, ioBanker ensures that all transactions on its platform are secure, transparent, and immutable. This provides users with the peace of mind that their funds are safe and protected from fraud or theft.

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Frictionless Decentralized Exchange

Another unique feature of ioBanker’s platform is its frictionless decentralized exchange. This allows users to trade digital currencies and commodities without the need for intermediaries, such as banks or brokers. By using smart contracts on the blockchain, ioBanker ensures that all transactions are executed automatically and securely. This provides users with a fast, efficient, and cost-effective way of trading digital assets.

Global Financial Services

ioBanker provides digital reserves technological services to over 184 countries around the world, across 30+ currencies (fiat and digital) and commodities with frictionless decentralized exchange features and cross-border remittances. By combining a platform with fintech providers, banks, and e-money institutions, ioBanker offers financial services to a global market. ioBanker empowers innovation in financial services through a platform approach where app developers and fintech partners can leverage ioBanker’s reach through licensed relationships with banks and financial services partners around the world.


ioBanker is revolutionizing the financial services industry with its blockchain-based platform. By providing digital full reserve banking and frictionless decentralized exchange, ioBanker is empowering people to take control of their finances and be their own bank. With its focus on transparency, security, and efficiency, ioBanker is positioning itself as a leader in the digital financial services space.





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