Product catalogue
Seven proposed products, seven legal perimeters
Each card opens a design brief. Savings (a bank deposit) and Earn (assets put to work) are deliberately separated.
Proposed products only. No rates, balances or yields are shown or offered.
Deposit · Savings
Banking Accounts (fiat)
Repayable money deposits — only a licensed bank may accept them.
Customer journey (concept)
- 1Prospective client reviews eligibility rules for VIFC member-bank clients.
- 2Onboarding and KYC by the bank (no data collected on this site).
- 3Mandatory disclosure: not covered by Viet Nam deposit insurance (Decree 329 Art. 5).
- 4Client places money; bank owes a repayable debt in the agreed currency.
- 5Statements, withdrawals and complaints handled by the bank.
Source of yield / return
Any savings interest is the bank's contractual obligation funded by its balance sheet — no rate is shown or proposed here.
Legal classification to verify
Deposit taking in money (Decree 329 Art. 3) — verify currency, client and VND limits.
Regulated entity
Proposed VIFC member bank (e.g. a proposed HDBank subsidiary — not yet licensed).
Licence dependency
VIFC member-bank licence with deposit-taking scope.
Operational guardrails
- •No crypto accepted as a deposit; crypto is not legal tender.
- •Savings and Earn shown in separate UI sections with separate legal terms.
- •Deposit-insurance disclaimer before every account opening.
Client rights
- •Contractual claim for repayment against the bank.
- •Access to complaint and VIFC dispute mechanisms (verify forum).
Go / no-go conditions
- GO only after written licence and approved client terms.
- NO-GO if resident/VND client eligibility is unresolved.