Digibank – Advanced Multi Wallet Digital Banking System with Virtual Card and Rewards

Digibank – is an Advanced Digital Banking solution that is mainly used for Digital and Physical Banking Websites. It is a flexible banking script that offers all banking facilities. In the system, visitors can register as a bank user to the application and deposit into the account, and also can make the FDR or DPS using the deposited amount. In the system, there are DPS, FDR, Loan and Bill payment, Multi Wallets or Currency, and Virtual card creation features available. The user can make a DPS for a particular time period and amount, and can receive the DPS amount with the profit after its maturity. It is also possible to make FDR, which had some FDR plans, the bank users would keep the funds in their FDR as block money, and they would receive the profit from that money every a little period of time. FDR has the compounding system available. The bank users can also apply for a Loan by following all the processes of the bank. The admin or bank owner will be able to approve the loan or reject it if it does not fulfill the requirements.

They can also get the Signup Bonus for registering on the website, and they can earn referrals. It has various referral levels to get the referral bonus. Also, user can pay their bills using this application. There is an integrated automatic payment gateway like PayPal, Stripe, Mollie, Coinbase, Paystack, VogurePay, Coingate, Flutterwave, and many more. Also, it has an automatic withdrawal method to withdraw the money to the user’s account directly. It has a manual deposit and withdrawal method available. There is a Portfolio system on the application, users can access any of the portfolios to improve their transactions or earnings. One user can transfer the funds to other users and other banks, too. There is a Rewards system where users can redeem the rewards and get paid by the bank. All these features are controlled from the Admin dashboard.

Login Details:

Demo Page: https://digibank-features.tdevs.co/

Default Landing Page: https://digibank.tdevs.co/

Corporate Landing Page: https://digibank-corporate.tdevs.co/

User Login: https://digibank.tdevs.co/login

Email: user@digibank.com, Password: 12345678

Admin Login: https://digibank.tdevs.co/admin

Email: admin@digibank.com, Password: 12345678

Stripe Demo Card: 4242424242424242

Expiry Date: Any date in the future, CVV: 123

Admin Features

Dashboard
In the Dashboard menu, if there is a Manual deposit, Pending Withdraw request, Pending KYCs, Loan requests, and Support Tickets, then the Admin can see this after logging into the admin panel. They are immediate tasks to complete first. Then the admin can see the cards with all the basic data of the website. Can also see the statistics for the Last 7 Days of Deposits, DPS, FDR, Loan, Bill, and Withdrawal. You can explore other statistics and Recently Registered users.

Customers
In the Customers menu, there are all the registered customers can be found. There are other Active customers, Closed customers, Disabled customers, and the admin can send all the users any message immediately. Admin can edit any of the customer details to find their activities. Admin can add or subtract a balance from any user. Admin can change all the performing statuses. Admin can also add any new bank customer to the system.

KYC Management
Admin can set the KYC form and check and review each user’s KYC. Admin can see the history of the KYC.

Manage Roles and Manage Staffs
In the Manage Roles menu, the admin can add any of the roles to the application and can assign any of the permissions to that role. And in the Manage Staffs menu admin can add new staff and can assign any of the roles to the staff with their permission.

Transactions
All the Transactions can be explored in this menu.

Wallets
All the Wallets can be explored here, and the wallet can be created the wallet by the admin.

Virtual Card
All the virtual cards can be shown here by the admin and handled.

Profits
User and Bank profits can be explored under the profit sections.

Fund Transfer
Admin can review the pending fund transfers. Also, can set up the process for Wire and Other bank transfers.

DPS
Admin can set up the DPS plans and review the Ongoing DPS.

FDR
Admin can set up the FDR plans and review the Ongoing FDR.

Loan
Admin can set up the Loan plans and review the Loan requests.

Bill Management and History
Admin can import the service, convert rates, and check out the bill lists. Also, the bill histories can be explored the bill histories.

Automatic Gateways
Admin can see the automatic payment gateways for deposit and withdrawal. He can set multiple currencies in a single gateway supported. Multiple currency-supported gateways are available.

Deposits
In the Deposit menu, the admin can edit any of the automatic deposit methods. Also, can set the Manual Deposit methods and review any of the manual deposit requests. Also can explore the deposit histories.

Automatic and Manual Withdraws
Admin can set for user automatic and manual withdrawal methods.

Manage Referral
Admin can set the Multi-Level Referrals with the percentages.

Portfolios
Admin can set the Portfolio Levels with the Badge system. Once the user reaches the amount to earn using the transactions, the user will unlock the Badge and get a bonus. The bonus amount will be set by the admin.

Rewards System
Admin can set up the rewards based on Portfolios. Users will earn reward points and can redeem them. Also can receive the amount for the redemption.

Settings
Under the Site settings admin can set the site essentials and manage the permissions and many other essential stuff. In email settings admin can set up the SMTP.

Landing Page
All the home page sections can be managed by the admin here.

Pages
All the page’s contents can be added to a new custom page from this menu by the admin.

Site Navigation
All the site Navigation, Header, Footer, and User dashboard Navigation can be handled from this menu.

Templates
Under the Template menu admin can manage Email, SM,S and Notification templates.

Theme Management
There is only one theme now, also, there is an option to upload an HTML theme to run the HTML template on as a website landing page or other pages.

All Subscribers
Admin can see all the subscribers and send a message to them from here.

Support Tickets
Admin can explore all the Support Tickets from this menu.

Custom CSS
Admin can add custom CSS code from this menu.

Cron Jobs
Admin can set up the cron job for the needs of the systems.

Clear Caches
Admin can Clear Caches to click this menu.

Application Details
In this menu, the admin can explore the full Application Details

User Features

Dashboard
In the dashboard sidebar, there is a wallet, portfolio badge, and account number. There, the user can see the KYC submission bar to submit the KYC if the user has not submitted the KYC before. On this page, users can also see the Portfolio Level with a Badge. Also, users can explore statistics and Recent Transactions.

Deposit
Users can deposit from here using any automatic or manual deposit method.

Fund Transfer
Users can transfer the funds to another bank user or the same bank. Also, can transfer the Wire and Swift.

DPS
Users can DPS any of the plans and get the profit after the time period.

FDR
Users can FDR any of the plans and get the profit after the time period.

FDR
Users can apply for the Loan and get the funds in their account.

Pay Bill
The user can pay the bills using this section. It will be available for some particular countries.

Transactions
User All Transactions will show there.

Withdraw Money

The User needs to add a Withdraw account first, then can request a Withdraw. Once a request is created, the admin needs to review the request and send money to the user manually.

Referral
All the user’s Referral details will show here. Also can be shown the referral tree.

Portfolio
Under the portfolio user can see the unlocked and locked badges.

Rewards
Under the Rewards page user can explore the reward points and can redeem them.

Support Ticket
The user can open a ticket to the admin, and the admin can reply to that ticket to solve the issues or anything.

Settings
On the settings page, the user can edit and update all the profile settings. Also can change the Password, manage the security, submit the KYC, etc.

Key Features:

• Customer Management
• Support Ticket
• KYC Management
• 25+ payment gateway supports
• User & Admin Notifications
• Login as User
• Staff Management
• Role Management
• Bank and User Profits
• Fund Transfer
• Wire and Swift Transfer
• Bank DPS
• Bank FDR
• Bank FDR Compounding
• Bank Loan
• Multi currency or Multi Wallet
• Virtual Cards
• Bill Payments
• Portfolio
• Reward Points
• Landing Page
• Fully Responsive
• Dark and Light Mode
• User Paybacks
• Automatic Gateways
• Automatic and Manual Deposit
• Automatic & Manual Withdraw
• Crypto and Fiat Currency
• 2FA Verification
• Multi Level Referrals
• Admin URL changeable
• User Ranks or Portfolio
• Portfolio Badge
• Admin URL changeable
• User Ranking System
• Rankings Badge
• Referral Bonus
• Signup Bonus
• Portfolio Earnings
• Balance Add and Subtract
• Main Wallet
• Landing Page Management
• Home page redirection
• Fund Add and Subtracts
• SMS Settings
• Pages Management
• Home page redirection
• SMS Settings
• Pages SEO
• Site Navigation
• Site Footer
• Custom Site Currency
• Notification with tone
• Theme Management
• Dynamic Landing Theme
• Site Maintenance Mode
• GDPR Settings
• Language Settings
• Tawk Chat
• Google reCaptcha
• Google Analytics
• Messenger
• Email Newsletter
• SEO Meta Settings
• Permissions Settings
• Inactive User Settings
• Passcode Management
• Site Bonus Settings
• Custom CSS
• Clear Caches
• System Details

System Requirements:

• Laravel >=10.0
• PHP >= 8.1
• MySQL 5.7+

Icons:

• Font Awesome Icon
• Lucid Icons

Photo Credit:

• Freepik
• Pexels

Version 2.5.3 – 17th Nov, 2025

[Added] - Bank statement report.
[Fixed] - FDR Compounding not working issue.
[Fixed] - Some translation issues.
[Fixed] - Server error on Home page in installation steps. 
[Fixed] - Deposit method logo issue.
[Fixed] - FDR Compounding issue.
[Fixed] - Some translation issues.
[Fixed] - Server error on Home page in installation steps. 
[Fixed] - Deposit method logo issue.

Version 2.5.2 – 25th Oct 2025

[Added] - Loan calculator.
[Fixed] - Redeem point amount field issue.
[Fixed] - Beneficiary fund transfer validation issue.
[Fixed] - Customer's other bank custom fields issue.
[Fixed] - Add a new option for issues on editing others' bank accounts.
[Fixed] - Own bank account number validation in the fund transfer issue.
[Fixed] - Role-wise admin left sidebar's customer-related permission issue.
[Fixed] - Float not accepting issue for the loan plan's delay charge field.
[Fixed] - Validate self-transfer via own bank account issue.

Version 2.5.1 – 30th August 2025

[Added] - Auto withdraw support in NowPayments Gateway.
[Added] - Loan fee type (fixed, percentage).
[Fixed] - Wire transfer 5xx error issue.
[Fixed] - Corporate theme Contact Page widget issue.
[Fixed] - Empty register field issue in API.
[Fixed] - FDR no cancel visibility in themes.
[Fixed] - Wire transfer 500 error issue.

Version 2.5 – 16th July 2025

[Added] - Firebase Cloud Messaging for Flutter App.
[Added] - User Sidebar Navigation translations.
[Fixed] - New Loan System ( Breaking Change).
[Fixed] - FDR cancel fee issue.
[Fixed] - Auto gateway error issue in API.
[Fixed] - Manual deposit fields not showing in admin panel.
[Fixed] - Pay status not changing issue in the admin dashboard. 
[Fixed] - Account search improved.

Version 2.4 – 07th July 2025

[Fixed] - REST API code optimized.
[Fixed] - Decimal number is not accepted in the Loan Plan. 
[Fixed] - Incorrect percent showing in corporate theme.
[Fixed] - Fund transfer status shortcode is not replaced by value in the newsletter. 
[Fixed] - Fund transfer error issue.

Version 2.3 – 16th June 2025

[Added] - REST API for Mobile App
[Fixed] - Referrer username not showing issue.
[Fixed] - Call to action section image not changing issue.
[Fixed] - Recaptcha not showing issue in Corporate and DigiVault themes.
[Fixed] - Register custom fields error issue.

Version 2.2 – 12th May 2025

[Added] - Selfie option in KYC Verification
[Added] - Fund transfer improved with multi-wallet
[Fixed] - Bill history error issue
[Fixed] - Paystack error issue
[Fixed] - Manual deposit money not credited issue on multi-wallet
[Fixed] - Virtual card providers not showing on other themes.
[Fixed] - Improved codebase.

Version 2.1 – 16th April 2025

[Added] - Flutterwave bill payment services

Version 2.0 – 25th Feb 2025

[Added] - Digivault New Theme
[Added] - The Admin dashboard is not down in maintenance mode.
[Added] - Wire transfer limitation.
[Added] - Flutterwave virtual card provider.
[Added] - Separate menu for bill provider and virtual card provider.
[Added] - Export transactions for user and admin.
[Fixed] - Wire transfer error.
[Fixed] - Own Bank Fund transfer issue.
[Fixed] - Direct referral issue.
[Fixed] - The wire transfer field is not showing an issue.
[Fixed] - Wallet transactions are showing as a USD issue.
[Fixed] - Bloc bill provider service import issue.

Version 1.6 – 2nd Dec 2024

[Fixed] - Localization content edit issue.
[Fixed] - Auto withdraw gateway refund issue
[Fixed] - Register page error issue.
[Fixed] - Menu duplication issue in coinefy theme.
[Fixed] - Language edit error issue.
[Fixed] - Received amount minus color issue.
[Fixed] - KYC pending issue after reject/approve action.
[Fixed] - System improvements.

Version 1.5 – 12th Nov 2024

[Added] - Subscribe to the DPS from the admin dashboard.
[Added] - Subscribe to the FDR from the admin dashboard.
[Added] - Subscribe to the Loan from the admin dashboard.
[Fixed] - Fixed language error.
[Fixed] - System improvement.

Version 1.4 – 20th Oct 2024

[Fixed] - Loan rejected success issue.
[Fixed] - Ticket counter issue on user dashboard.
[Fixed] - Bank profit issue.
[Fixed] - Coinbase gateway 500 error issue.
[Fixed] - KYC pending issue.

Version 1.3 – 24 Sept 2024

[Fixed] - Missing theme issue.
[Fixed] - Improve System.
[Fixed] - The wire transfer fields option removes issues.

Version 1.2 – 23 Sept 2024

[Added] - New landing theme.
[Added] - Multiple wallet system.
[Added] - Virtual card system.
[Added] - Fund transfer charge.
[Added] - New Roles & Permissions.
[Added] - Card Limit For Per User
[Added] - Card Creation & Card Top-up Features Enabled/Disabled Option In Permission Settings.
[Added] - Card Top-up Minimum And Maximum Amount Limit.
[Fixed] - Fund transfer validation and charge issue.
[Fixed] - Server 500 issue.
[Fixed] - Wire transfer error.
[Fixed] - FDR Compounding issue.
[Fixed] - Fund transfer error issue.
[Fixed] - Referral page error issue.
[Fixed] - Call to action disable error issue.
[Fixed] - FDR error issue.
[Fixed] - Reward point bug issue.
[Fixed] - Email, SMS, Push Notification template error issue on edit.
[Fixed] - System improvement.
[Fixed] - KYC notification issue.

Version 1.1 – 14 July, 2024

[Added] - Script Installer.
[Added] - Own bank fund transfer charge.
[Fixed] - New page section error issue.
[Fixed] - Google Analytics issue fixed.
[Fixed] - KYC pending warning issue.
[Fixed] - Textarea design issue on the KYC submission page.
[Fixed] - Landing page navigation menu active.
[Fixed] - The Send money receiver transaction does not show.
[Fixed] - Privacy page dark version text color issue.
[Fixed] - Country logo issue on register page.
[Fixed] - Powerful section image issue.

Version 1.0 – 13 Jun, 2024

Initial Release

Note: Full system is ready for start business instantly.