HedpAY is a project that aims to solve the complexity of the current global financial system by combining the characteristics and services of modern traditional electronic banks, while realizing the prospect of bank cryptocurrency. Offering fresh perspectives and encouraging multiple possibilities for development, HEdpAY will allow banks to meet customer needs, fully independently. Utilize innovative blockchain technology to bridge the gap between traditional e-banking and encrypted financing, and become the banking solution of the future, providing a full range of banking and financial services.