HEdpAY is a pioneering project aimed at solving the current complications in the global financial system by combining the features and services of a modern traditional bank, whilst implementing the prospects of a bank for cryptocurrencies. A team of experts has researched and developed a future banking solution designed to revolutionize the financial system, which, to date is still anchored to old standards. Adopting new perspectives and encouraging multiple development possibilities, HEdpAY will allow banks to satisfy their clients and address their needs completely independently.