Agent Depository & Financial Services
HDD is a full-service digital depository — offering local-currency savings accounts, lending, UHD cards, validator mining, Pair Your Debt contracts, P2P trading, community commerce, and merchant card terminals — secured by the TIPMAS blockchain with multi-sig treasury reserves, on-chain audit logs, and automated security systems including sanctions screening, fraud detection, and wallet time-locks.
12
Core Modules
Depository to community commerce
8
Security Systems
Fraud to sanctions
100%
Treasury-Backed
Every token reserved
GDPR
Global Ready
Worldwide compliance
One Platform. Twelve Modules.
From everyday depository banking to institutional-grade treasury management — every module is seamlessly integrated and secured by the TIPMAS blockchain.
Everyday Banking
The essentials most clients use daily — accounts, savings, and cards.
Digital Depository
Hold and move UGX, MOL, CARO, and USDT across secure multi-currency accounts with instant transfers, standing orders, and a transparent real-time ledger.
Savings Depository
A dedicated savings account held separately from your trading wallet — automatically denominated in your country's local currency, with live FX conversion on every deposit and withdrawal.
UHD Cards
Spend with virtual and physical cards across five tiers — Bronze to Diamond — featuring contactless payments, cashback rewards, and priority issuance.
Grow Your Money
Put your balance to work — mine, pair debt, or borrow against your profile.
Validator Mining
Stake MOL in fixed-term contracts and earn rewards backed by TIPMAS validator nodes and treasury reserves — transparent, auditable, and fully on-chain.
Pair Your Debt
Activate mining contracts through debt pairing — contract top-ups, weekly profit allocations, payout tracking, and optional auto-reinvestment.
Lending & Credit
Access personal, business, agriculture, and education loans with automated credit scoring, flexible collateral, guarantor support, and scheduled repayments.
Trade & Transact
Buy, sell, and move value — locally with merchants or globally by card.
P2P Trading
Buy and sell MOL, CARO, USDT, and UGX directly with verified merchants through a secure escrow-protected marketplace with trade reviews.
International Payments
Fund your account and purchase mining packages from anywhere using Stripe-powered global card payments across USD, KES, NGN, GHS, and UGX.
Community Commerce
Join or lead a commerce community (CCAFS) — buy goods through the marketplace with leader discounts, automatic fulfilment routing, and Independent Leadership Structures.
Business & Institutions
For merchants, program administrators, and institutional treasury teams.
Merchant Services
Onboard your business with KYC verification, POS terminals, settlement accounts, inventory finance, and supplier payment tools — all in one dashboard.
Social Programs
Power government and cooperative initiatives — GESFP, APMIS, EDIS — with budget allocation, beneficiary tracking, and dedicated program treasuries.
Treasury & Reserves
Institutional-grade treasury management with multi-signature wallets, automated buyback-and-burn, liquidity monitoring, and immutable audit trails.
Stake MOL, Earn Real Yields
Lock MOL tokens in fixed-term contracts with transparent 4–65% APR, backed by verifiable treasury reserves and TIPMAS validator nodes.
Up to 4%
APR over 7 Days
- Daily reward accrual
- Instant activation
- Withdraw anytime after lock
Up to 15%
APR over 30 Days
- Priority treasury allocation
- Daily reward accrual
- Referral bonus eligible
Up to 35%
APR over 90 Days
- Validator node priority
- Compound reinvest option
- Enhanced referral tiers
Up to 65%
APR over 180 Days
- Institutional validator access
- Direct treasury partner status
- Dedicated account manager
Three Steps to Full Depository Access
Open an account and unlock the entire HDD ecosystem in under 10 minutes.
Create & Verify Account
Sign up with your email, complete KYC identity verification, and your HDD client profile and TIPMAS wallet are provisioned instantly.
Fund Your Wallet
Deposit via MTN Mobile Money, Airtel Money, bank transfer, USDT, or major crypto. Funds settle into your multi-currency wallet in real time.
Depository, Mine & Trade
Access lending, UHD cards, savings, validator mining, Pair Your Debt, community commerce, P2P trading, and merchant services — all from one integrated dashboard.
Treasury-First Liquidity.
Always Verifiable.
Every MOL and CARO token is matched 1:1 by TIPMAS treasury reserves. Multi-sig cold wallets, sanctions screening, wallet time-locks, behavioral fraud detection, and immutable on-chain audit logs keep your funds secure at every step — worldwide.
Enterprise-Grade Protection
Eight automated security systems safeguard every account and transaction — running 24/7 to detect fraud, block sanctioned actors, and protect your funds worldwide.
Sanctions & AML Screening
Every user is screened against OFAC SDN, UN Consolidated, EU Restrictive, and PEP lists. 16 sanctioned countries are auto-blocked at onboarding.
Progressive Account Lockout
5 failed logins → 15-min lock. 10 → 1-hour. 20 → 24-hour + admin alert. Brute-force attempts are neutralized automatically.
Geo / IP Intelligence
Real-time VPN, proxy, and Tor exit-node detection. Geo-velocity anomaly flags logins from impossible travel distances.
Behavioral Fraud Engine
Six pattern detectors run every 30 minutes: structuring, rapid in-out, velocity bursts, multi-account linking, new-device large withdrawals.
Wallet Time-Locks
Tiered withdrawal delays: instant under $500, up to 72 hours + multi-sig for $50K+. Large disbursements require dual admin approval.
Privileged Access Management
Just-in-time admin elevation with auto-expiring sessions. Break-glass emergency access auto-approves but triggers mandatory security review.
Insider Threat Detection
Hourly scans for off-hours admin access, bulk data exports, unusual record queries, and unreviewed privileged sessions.
Hardened CSP & WebAuthn
Content-Security-Policy blocks inline scripts and object-src. Passkey login with WebAuthn cryptographic signature verification.
GDPR Compliant &
Worldwide Ready
Full GDPR data rights center, privacy policy, terms of service, and cookie policy. International payments via Stripe with multi-currency support (USD, KES, NGN, GHS, UGX). CSP hardened against injection attacks.
Programs That Empower Communities
From government-backed social programs to community commerce, savings, and guardian-managed accounts — every program runs on dedicated, budget-tracked treasuries with transparent beneficiary management and on-chain accountability.
GESFP
Agriculture & food security program
APMIS
Education & skills development
EDIS
Health & emergency insurance
Heritage Estate
Housing & land programs
Turbo Travellers
Transport & logistics support
Legal Aid
Compliance & legal assistance
My Community (CCAFS)
Commerce communities with leader discounts & fulfilment
Pair Your Debt
Debt-paired mining contracts with weekly profit payouts
Savings Depository
Local-currency savings separate from your trading wallet
Minor Beneficiary Accounts
Guardian-controlled savings & cards for children
Sponsor Vouch Cards
Member-sponsored UHD cards for users without national ID
Merchant Card Terminals
QR card payments, cash-outs & balance inquiries
The G-24Cs Network
Twenty-four member companies operating as a unified circular economy — all financially linked to the Herman Development Depository (HDD), the central financial body governing treasury, settlement, and compliance.
Herman Development Depository
Central Financial Body of the G-24Cs Ecosystem
All 24 member companies and their partners must link to HDD for financial services — treasury management, lending, settlement, and compliance — under stipulated terms and conditions.
Treasury Management
Centralized MOL & USDT reserves backing every member node
Compliance & Audit
Mirror Protocol enforcement and Ledger-Link transparency
Terms & Settlement
Standardized financial terms governing all 24 member companies
Judicial Oversight
Sovereign Juris-Consults ensure contractual enforcement
24 Member Companies
Mega Teams Agency
Education Sponsorship & Scholarships
Meta Human Resources
Global Payroll & Talent Management
Turbo Travelers Agency
Transportation & Logistics
Sovereign Juris-Consults
Legal Services, Contracts & Judicial Compliance
Royal Harvest Catering
Hospitality & Nutritional Management
Vitality Health Network
Employee Wellness & Health Insurance
Heritage Estate Developers
Real Estate Development & Facility Management
Nexus Growth Partners
Business Development & Market Expansion
Mollies Digital Bank
Banking, Finance & MOL Treasury
Universal Title
Cultural Heritage & Traditional Title Management
Aqua-Grid
Utility Billing & Resource Management (Water/Power)
Vogue Heritage Designs
Fashion, Uniforms & Corporate Welfare & Beauty
Impact Media
Marketing, Sales & Client Acquisition
Shield-Tech
Physical Security & Asset Protection
Global Link Procurement
Supply Chain Vetting
Reserved Member
Position reserved within the G-24Cs ecosystem
Synapse IT
Mainframe Hosting & Blockchain Development
Ledger-Link
Internal Audit, Tax Transparency & The Mirror Protocol
Maureen Entertainment
Media Production, PR & Event Management
Visionary Urban Planners
Long-term Infrastructure & Ecosystem Layouts
Solaris Power Grid
Energy Production & Sustainable Power Supply
Echo Chamber Media
Internal Communications, News & Broadcasting
Lawula Innovation Lab
R&D, Patents & Tech-Testing
UHD Agro-Industries
Agribusiness & Sustainable Food Production
Every G-24Cs member operates under HDD's financial governance framework, ensuring absolute data sovereignty, transparent ledgering, and compliant settlement powered by Mollies Coin (MOL).
Common Questions
Everything you need to know about HDD and the TIPMAS blockchain.
Ready to Join the Depository?
Open your HDD account today. Access lending, UHD cards, mining, and trading — all secured by the TIPMAS blockchain.