Commercial bank
for education.
All the features of a real bank, simulated in a safe educational environment. Accounts, cards, loans, deposits, transfers — all with KOSR.
Starting bonus: 15,000 KOSR in the current account, automatically transferred from the central treasury.
Everything you have in a real bank.
Each feature simulated with the real mechanics of a bank. The difference: KOSR has no value in fiat money.
Current account
Instant transfers, IBAN-style KOSR, balance available anytime.
Savings account
Simple daily interest, monthly capitalization (4% APR default).
Term deposit
Amount locked for guaranteed interest; 1.5% penalty on early closure.
Debit/credit cards
Real PAN/CVV, Face ID reveal, 1-tap block/unblock.
Consumer/mortgage loans
APR 4.99% – 19.99%, equal annuities, amortization schedule.
Interest & accrual
Daily cron that accrues interest on loans and savings.
Vault bank
Visible liquidity; admin funds from the central KOSR treasury.
Complete tx history
Audit log of every transaction with principal/interest/fee details.
Notifications
Due rates, transactions, loan approvals — instant on device.
Education about interest.
We apply the French amortization formula with equal annuities — exactly like real Romanian banks.
- ◆Consumer loan: 6.99% – 19.99% APR, 6–60 months
- ◆Mortgage: 4.99% – 7.99% APR, 60–360 months
- ◆Partial early repayment: reduces total interest
- ◆Full early repayment: transparent final cost
- ◆Complete amortization schedule visible (month by month)
- ◆Approval flow: request goes to admin, who decides
12,000 KOSR / 24 months
Complete simulator in the app. See how much is principal vs interest in each rate, and how the total interest decreases if you do early repayment.
Cards with Face ID.
Virtual cards have real PAN + CVV stored encrypted on device. You can see them anytime after biometric authentication.
Face ID reveal
See PAN and CVV only after Face ID. Stored in device-only Keychain.
Debit + Credit
Debit cards on current account or credit with configurable limit.
Instant notifications
Transactions, rate payments, due dates — all notified live.
Start educating.
Starting bonus 15,000 KOSR instantly in the current account. Connect the Kosron wallet for external transfers between users.