PHPBank — Multi-Currency Online Banking Platform A production-ready, self-hosted banking application you can deploy and brand as your own. PHPBank is a full-featured online banking system written in native PHP 8 with MySQL/MariaDB. It gives your customers a polished digital banking experience — multi-currency accounts, money transfers, card deposits, crypto funding, debit card requests, loans, statements and support — and gives you, the operator, a complete admin panel to run the entire business: currencies, exchange rates, payment providers, approvals, user restrictions, content, backups and more. It ships with a five-step web installer, full HTML + PDF documentation, dark-mode responsive design throughout, and a security-hardened codebase (prepared statements, CSRF protection, 2FA, transfer PINs, upload sandboxing). Multi-Currency Core Customers hold separate balances in multiple currencies (10 seeded: USD, EUR, GBP, JPY, CAD, AUD, CHF, NGN, INR, CNY — add any more from admin) Admin-managed currencies: exchange rates, symbols, base currency, enable/disable Automatic currency conversion on cross-currency transfers Money Transfers Three transfer rails: same-bank, domestic (other local banks) and international wire — each independently configurable Per-currency transfer forms: account number, routing number, IBAN or bank-list selection, with account-name lookup Saved beneficiaries for repeat transfers Transfer PIN confirmation, configurable fees, and automatic or manual-review processing per rail Provider-routed payouts through your configured gateways Deposits & Card Issuing Four deposit methods: bank transfer, card, Bitcoin and USDT (TRC-20) Card gateways: Stripe, Flutterwave, Paystack, Kora — with inline checkout, per-currency routing and test/live modes Crypto deposits via CoinRemitter Virtual & physical debit card issuing via Stripe, Flutterwave, Kora, Lithic, Bridgecard or UfitPay — provider freeze/unfreeze, balances and transaction sync