Agent Depository & Financial Ecosystem
HDD — the Herman Development Depository — is a full-service digital depository on the TIPMAS blockchain. Hold local-currency savings, borrow, spend with UHD cards, stake MOL and CARO through validator mining and Pair Your Debt, trade P2P, run community commerce, and accept card payments as a merchant — all under multi-signature treasury reserves, on-chain audit trails, and automated sanctions, fraud, and wallet time-lock controls.
12
Core Modules
Banking to community commerce
8
Security Systems
Fraud, AML & sanctions
100%
Treasury-Backed
Every token reserved
GDPR
Global Ready
Worldwide compliance
One Platform. Twelve Modules.
From everyday depository banking to institutional treasury — every module is integrated, and every transaction is secured by the TIPMAS blockchain.
Everyday Banking
The essentials you use daily — accounts, savings, and cards.
Digital Depository
Hold and move UGX, MOL, CARO, and USDT across multi-currency accounts, with instant transfers, standing orders, beneficiary management, and a real-time ledger you can audit line by line.
Savings Depository
A savings account kept separate from your trading wallet and denominated in your country's local currency, with live FX conversion every time you move funds in or out.
UHD Cards
Pay with virtual and physical cards across five tiers — Bronze through Diamond — with contactless checkout, cashback rewards, and merchant QR terminals.
Grow Your Money
Put your balance to work — stake, pair debt, or borrow against your profile.
Validator Mining
Stake MOL or CARO in fixed-term contracts of 7 to 365 days. Rewards accrue daily, contracts can auto-renew across multiple terms, and auto-compounding folds rewards back into your principal.
Pair Your Debt
Activate a mining contract through debt pairing instead of a full upfront stake — managed top-ups, weekly profit allocations, payout tracking, and optional auto-reinvestment.
Lending & Credit
Personal, business, agriculture, education, and housing 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
Trade MOL, CARO, USDT, and UGX directly with verified merchants in an escrow-protected marketplace, with trade chat, proof-of-payment checks, and reviews.
International Payments
Fund your account or buy mining packages from anywhere with Stripe-powered card payments across USD, KES, NGN, GHS, and UGX.
Community Commerce
Join or lead a commerce community (CCAFS) — shop the marketplace with leader discounts and automatic fulfilment routing, and formalise an Independent Leadership Structure once you reach 50 active members.
Business & Institutions
For merchants, program administrators, and institutional treasury teams.
Merchant Services
Onboard with KYC verification, then manage settlement accounts, QR card terminals, float, commissions, and statutory tax remittance from one dashboard.
Social Programs
Run government and cooperative initiatives — GESFP, APMIS, EDIS — with budget allocation, beneficiary tracking, and dedicated program treasuries.
Treasury & Reserves
Institutional treasury with multi-signature wallets, automated buyback-and-burn, liquidity monitoring, and immutable audit trails.
The Rest of the Ecosystem
Trading, participation, learning, and developer tools — all running on the same depository and the same TIPMAS blockchain.
Exchange & Convert
Swap between MOL, CARO, USDT, and UGX at live rates, or place orders on the order-book market.
Trading & Options
Market and limit orders, live candlestick charts, trading rewards, and options contracts with automated expiry.
Referrals & Rewards
Share your link, earn 5–10% lifetime commission, track your network, and compete in referral sprints.
Governance
Propose and vote on ecosystem decisions, with every proposal and vote recorded on-chain.
Validator Nodes & Staking
Delegate to validator nodes and stake your tokens to take part in securing the network.
Learning Academy
Structured courses with completion rewards, plus NFT badges and user levels as you progress.
Developer API & Gateway
API keys, documented endpoints, and partner gateway tools with webhooks and settlement reporting.
Compliance & Tax Centre
KYC vault, sanctions screening, statutory tax remittance, and the URA gateway for merchant filings.
Stake MOL & CARO, Earn Real Yields
Lock MOL or CARO in fixed-term contracts with transparent rewards — from 4% on 7-day MOL stakes up to 75% on the 365-day Partner tier and 60% on 365-day CARO stakes — backed by verifiable treasury reserves and TIPMAS validator nodes.
71% – 75%
Rewards over 365 days · paid in MOL
- Daily reward accrual
- Stake 50,000 – 500,000 USDT
- Fixed 365-day term
- Auto-compounding available
28% – 32%
Rewards over 90 days · paid in MOL
- Daily reward accrual
- Stake 2,500 – 10,000 USDT
- Fixed 90-day term
- Auto-compounding available
0.5% – 4%
Rewards over 7 days · paid in MOL
- Daily reward accrual
- Stake 50 – 500 USDT
- Fixed 7-day term
- Auto-compounding available
3.5% – 7.5%
Rewards over 30 days · paid in MOL
- Daily reward accrual
- Stake from 0.1 USDT with no maximum
- Auto-renews up to 15 terms
- Auto-compounding available
33.5% – 37.5%
Rewards over 180 days · paid in MOL
- Daily reward accrual
- Stake 10,000 – 50,000 USDT
- Fixed 180-day term
- Auto-compounding available
Also available: Pair Your Debt — activate a contract through debt pairing instead of a full upfront stake, with weekly profit allocations and admin-assisted setup.
Three Steps to Full Depository Access
Open an account and unlock the entire HDD ecosystem in minutes.
Create & Verify Account
Sign up with your email, verify your identity through KYC, and your HDD client profile and TIPMAS wallet are provisioned automatically.
Fund Your Account
Fund by MTN Mobile Money, Airtel Money, bank transfer, USDT, or major crypto — and settle into your multi-currency wallet in real time.
Depository, Mine & Trade
Then use the whole depository: savings, lending, UHD cards, MOL and CARO mining, Pair Your Debt, community commerce, P2P trading, and merchant tools — from one dashboard.
Treasury-First Liquidity.
Always Verifiable.
Every MOL and CARO token is matched 1:1 by TIPMAS treasury reserves. Multi-signature cold wallets, sanctions screening, wallet time-locks, behavioral fraud detection, and immutable on-chain audit logs protect your funds at every step — anywhere in the world.
Enterprise-Grade Protection
Eight automated security systems guard every account and transaction — running around the clock to stop fraud, block sanctioned actors, and keep your funds safe.
Sanctions & AML Screening
Every user is screened against OFAC SDN, UN Consolidated, EU Restrictive, and PEP lists at onboarding, and 16 sanctioned countries are blocked automatically.
Progressive Account Lockout
Repeated failed logins escalate on their own: 5 attempts → 15-minute lock, 10 → 1 hour, 20 → 24 hours plus an admin alert. Brute-force attempts are neutralised.
Geo / IP Intelligence
Real-time VPN, proxy, and Tor exit-node detection, plus geo-velocity checks that flag logins arriving from impossible travel distances.
Behavioral Fraud Engine
Six detectors sweep the platform every 30 minutes for structuring, rapid in-out movement, velocity bursts, linked accounts, and large withdrawals from new devices.
Wallet Time-Locks
Tiered withdrawal delays: instant below $500, up to 72 hours plus multi-signature approval at $50K and above. Large disbursements need two separate admin approvals.
Privileged Access Management
Just-in-time admin elevation with auto-expiring sessions. Break-glass emergency access is auto-approved but always triggers a mandatory security review.
Insider Threat Detection
Hourly scans for off-hours admin access, bulk data exports, unusual record queries, and privileged sessions left unreviewed.
Hardened CSP & WebAuthn
A strict Content-Security-Policy blocks inline scripts and object sources, and passkeys sign you in with WebAuthn cryptographic verification.
GDPR Compliant &
Worldwide Ready
A full GDPR data rights center, privacy policy, terms of service, and cookie policy. International payments run through Stripe with multi-currency support (USD, KES, NGN, GHS, UGX), and the platform is 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 a dedicated, budget-tracked treasury with transparent beneficiary management and on-chain accountability.
GESFP
Mega Teams Agency
Education & skills development
APMIS
Meta Human Resources
Payroll management plan
EDIS
Nexus Growth Partners
Business development & market expansion
Heritage Estate
Housing & land programs
Turbo Travellers
Transport & logistics support
Legal Aid
Compliance & legal assistance
My Community (CCAFS)
Commerce communities with leader discounts
Pair Your Debt
Debt-paired contracts with weekly payouts
Savings Depository
Local-currency savings, separate from your wallet
Minor Beneficiary Accounts
Guardian-controlled savings & cards for children
Sponsor Vouch Cards
Member-sponsored UHD cards without a national ID
Merchant Card Terminals
QR payments, cash-outs & balance checks
The G-24Cs Network
Twenty-four member companies operating as one unified circular economy — each 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 link to HDD for financial services — treasury management, lending, settlement, and compliance — under stipulated terms and conditions.
Treasury Management
Centralized MOL & CARO reserves backing every member node
Compliance & Audit
Mirror Protocol enforcement with 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 — 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 Open Your Depository Account?
Create your HDD account in minutes — savings, lending, UHD cards, MOL and CARO mining, and trading, all secured by the TIPMAS blockchain.