Timebank wasn't designed to compete with banks — it was designed to be the wallet students actually use. Every interaction, from the moment you open the app to the second you settle a transfer, was rewritten from first principles.
Every wallet gets a unique 4-digit code. Share it like a username — no phone numbers to memorise, no account strings to copy-paste, no clipboard juggling at the cashier.
Reserved per-campus and rotated weekly for inactive wallets.
Short enough to say across a noisy hostel — “send to oh-four-two-one”.
Every wallet generates a live QR token, rotating every 60 seconds. Open Timebank's camera, frame the code, confirm the amount — money is in the recipient's wallet before you've lowered the phone.
See the security model →There are no “pending”, “in flight” or “processing” states. Every transfer is wrapped in a database transaction with row-level locks on both wallets — either both balances update together, or neither does.
No partial debits. No double charges. No ghost transfers.
Behind every transfer are two ledger rows — one debit, one credit, each stamped with balance before and balance after. The trail is defensible from your first signup to the last paisa you ever move.