LB Banque vVARY

1. Introduction

LB Banque is an innovative banking project which aims to revolutionize access to financial services by offering a modern, accessible and secure digital bank.
Our mission is to make money management easier for individuals and professionals by integrating financial tools adapted to their needs.

The LB Banque application offers an inclusive approach, with a platform designed for savings, tontine, credit and professional finance management.
Currently, only the Tontine module is active, with other services planned for future updates.

2. Project Objectives and Vision

Goals

• Democratize access to banking services via an intuitive digital platform.
• Digitize traditional tontines while guaranteeing transparency and security.
• Offer financing solutions adapted to the needs of individuals and entrepreneurs.
• Develop a modern digital bank, compliant with regulatory requirements.

Vision

LB Banque aims to become a reference in digital banking, by offering a secure and scalable ecosystem, integrating innovative payment solutions and personalized financial support.

3. Features of LB Banque

Active Module: The Digitalized Tontine

LB Banque modernizes the tontine by integrating a secure collective savings management system.

Creation and automated management of tontines
Payment of contributions via credit card using the Paypal module
Payment of funds by bank transfer to beneficiaries
Real-time tracking and notifications of payments and distributions

Objective: To structure and supervise a traditional financial practice by guaranteeing transparency and security.

Modules in Development

Bank Accounts (coming soon)
• Creation and management of bank accounts
• Secure transfers
• Transaction history and management

Credit and Financing (coming soon)
• Loan request and simulation
• Creditworthiness assessment
• Automated reimbursement

Smart Savings (coming soon)
• Savings accounts with remuneration
• Solutions adapted to user needs
• Investment management

Services for Professionals (coming soon)
• Professional account with financial management tools
• Treasury solutions
• Payments and billing

4. Security and Regulatory Compliance

LB Banque undertakes to respect all banking standards and regulations in force.

• Secure payments via the Paypal module and advanced encryption protocols
• Protection against cyberattacks with a company specializing in cybersecurity
• Compliance with banking regulations and anti-money laundering (KYC & AML)

5. Partnerships and Technological Integrations

• Paypal: Integrated solution for secure payment of contributions
• Cybersecurity providers: Data and transaction protection

6. Deployment and Growth Strategy

• Phase 1 (Current): Launch of tontine and integration of payments via Paypal
• Phase 2 (To come): Deployment of bank accounts and savings services
• Phase 3: Setting up credits and financing users
• Phase 4: Expansion and integration of professional services

7. Conclusion and Request to the Banque de France

LB Banque is a structured, innovative project that complies with regulatory requirements, aiming to offer a complete and accessible banking solution.

Contact & Information: contact@lb-banque.com

LB Banque, the digital bank of tomorrow.