UAE's First
Self-Regulated Bank
Operating on ADI Chain (Abu Dhabi). BOL D stablecoin backed 1:1 by UAE Dirham reserves. Target: د.إ 1 Billion. Institutional-grade compliance meets blockchain transparency.
د.إ 1B
Target TVL
105%+
Reserve Ratio
ADI Chain
Abu Dhabi L2
Bolias Digital Bank
Self-Regulated Stablecoin
Total Balance
$24,891.32
Services
Recent
Our Services
Everything You Need
In One Platform
Stablecoin Savings
Zero fees, zero minimums. Earn 4.2% APY on your self-regulated stablecoin deposits with monthly payouts.
- No account opening fees
- Instant account creation
- Real-time balance updates
- Backed 1:1 by reserves
Digital Wallet
Store, send, and receive stablecoins instantly. Your non-custodial wallet with bank-grade security.
- Multi-currency support
- QR code payments
- Instant peer-to-peer transfers
- Smart contract automation
Yield Protocol
Lock stablecoins for higher returns. Flexible terms from 30 days to 5 years with competitive rates up to 8%.
- Flexible lock periods
- Up to 8% annual returns
- Early withdrawal options
- Compounding rewards
Debit Card
Spend stablecoins anywhere. Virtual and physical cards with global acceptance and instant issuance.
- Free virtual card
- Contactless payments
- ATM withdrawals worldwide
- Cashback rewards
Why Bolias
Self-Regulated Hybrid Financial Institution
The world's first SRHFI — combining UAE regulatory compliance with cryptographic verifiability. Built on ADI Chain for Abu Dhabi's digital economy.
UAE Dirham Stability
BOL D pegged 1:1 to Dirham. Reserves held at CBUAE-aligned institutions. Real-time on-chain proof-of-reserves.
105% Reserve Ratio
Over-collateralized reserves with Basel-style capital adequacy. Automated circuit breakers halt operations if reserves drop below 105%.
Derivatives Trading
Trade perpetual futures and options with isolated margin. Up to 25x leverage for institutional users with full on-chain settlement.
ERC-4626 Yield Vaults
Deposit BOL D into compliance-gated vaults. Earn yield from sovereign instruments and lending markets.
On-Chain Compliance
Every transaction verified against ComplianceRegistry smart contract. Automated AML/CFT checks with IVMS101 travel rule integration.
Insurance Fund Protection
30% of protocol revenue backs the insurance fund. Covers bad debt from liquidations and protects user deposits.
Getting Started
Banking Made Simple
Open your Bolias stablecoin account in minutes and start earning immediately
Create Account
Sign up in 2 minutes with just your email. No paperwork, no waiting. Your stablecoin account is activated instantly.
Verify Identity
Complete quick KYC verification through our secure in-app process. We support passport, national ID, and biometric authentication.
Fund Your Account
Deposit fiat via bank transfer or buy stablecoins directly with your credit card. Funds arrive in seconds, not days.
Start Earning
Your balance automatically earns yield from day one. Watch your wealth grow with transparent, real-time tracking.
•••• •••• •••• 4291
Card Holder
BOLIAS MEMBER
Valid Thru
12/28
Bolias
DIGITAL BANK
Say hello to your
Bolias Digital
Debit Card
Every Bolias account holder receives a free virtual debit card instantly. Spend your stablecoins seamlessly — online or in-store — with automatic conversion to local currency.
Contactless Payments
Tap to pay anywhere with seamless NFC-enabled stablecoin transactions.
Rewards & Cashback
Earn stablecoin rewards on every purchase across thousands of merchants.
Global Acceptance
Accepted at 80M+ merchants worldwide via the VISA network.
ATM Withdrawals
Convert stablecoins to fiat and withdraw at any ATM globally.
Fraud Protection
Real-time transaction monitoring with instant freeze controls.
SOC 2 Type II
ISO 27001
$250M
Insurance Coverage
Security First
Your Assets,
Our Priority
Bolias employs bank-grade security infrastructure combined with blockchain transparency to ensure your stablecoins are always safe and accessible.
Military-Grade Encryption
AES-256 encryption for all data at rest and TLS 1.3 for data in transit.
Multi-Signature Wallets
Require multiple approvals for large transactions with customizable thresholds.
Real-Time Monitoring
24/7 fraud detection system with instant alerts for suspicious activity.
Regular Audits
Quarterly security audits by CertiK and bi-annual financial audits by PwC.
Cold Storage
95% of reserves stored in air-gapped cold wallets with geographic redundancy.
Insurance Coverage
$250M insurance policy covering custodial assets and cyber incidents.
By The Numbers
Trusted By Thousands
Worldwide
د.إ 1B
Target Supply
BOL D stablecoin target
105%+
Reserve Ratio
Over-collateralized
ADI Chain
Abu Dhabi L2
ZKsync-based EVM
24hr
Attestation Cycle
Daily reserve proofs
Mobile Banking
Your Bank In
Your Pocket
Manage your stablecoin account on the go. The Bolias mobile app gives you complete control over your finances — anytime, anywhere.
Instant Notifications
Real-time alerts for every transaction and balance change
Lightning Transfers
Send stablecoins to anyone in seconds with just their phone number
Portfolio Analytics
Track your wealth growth with beautiful charts and insights
QR Payments
Pay or request payment by scanning QR codes at any merchant
Scan to Download
Get the app on your device
Total Balance
$24,891.32
App Rating
Testimonials
Loved By Thousands
Around The World
"Bolias has completely transformed how I manage my business finances. The self-regulated stablecoin approach gives me peace of mind, and the yields are consistently better than traditional banks."
Sarah Chen
Digital Entrepreneur • Singapore
"Finally, a bank that combines the security of traditional finance with the transparency of blockchain. The real-time audits and 1:1 backing make this the only stablecoin I trust."
Marcus Johnson
Software Engineer • San Francisco
"As someone who works with international clients, Bolias is a game-changer. Instant cross-border payments with zero fees have saved me thousands in transaction costs."
Priya Sharma
Freelance Designer • Dubai
"The mobile app is incredibly intuitive. I can manage my entire business banking on the go, and the debit card integration works flawlessly at every merchant."
Alex Rodriguez
E-commerce Owner • Madrid
"What sets Bolias apart is the transparency. Every transaction, every reserve audit is verifiable on-chain. This is what the future of banking should look like."
Lisa Wang
Investment Analyst • Hong Kong
"I've used every major stablecoin, and Bolias is the only one with true self-regulation. The security features and insurance coverage are unmatched in the industry."
James Miller
Crypto Trader • London
Based on 12,500+ reviews
TRUSTED BY INDUSTRY LEADERS
BACKED BY TOP-TIER INVESTORS
Self-Regulation & Compliance
How Bolias Self-Regulates Its Stablecoin Protocol
Bolias operates under a self-regulatory framework embedded directly into our smart contracts. This means that reserve ratios, minting limits, and redemption guarantees are enforced autonomously — providing users with the same protections as traditional banking, but with full on-chain transparency.
Real-time proof-of-reserves published on-chain every block
Independent quarterly audits by top-tier accounting firms
Automatic minting halt if reserves fall below 100% backing
Smart contract governance with community-elected validators
Full compliance with international AML/KYC standards
All Your Questions Answered
Everything you need to know about Bolias Digital Bank and our self-regulated stablecoin protocol.