DeBank
A Decentralized savings Vault on OPN chain
by master.jil · submitted Jun 19, 2026
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Description
01/03
What the builder said.
Written by the team, rendered as the markdown they typed in the submission wizard.
What we built
DeBank is a non-custodial, time-locked savings vault on OPN Chain. Users deposit IOPN (and soon USDC, USDT, and other OPN Chain assets) into a smart contract, set their own unlock date. from 1 day to 5 years and withdraw when they're ready. The contract enforces the lock on-chain so no third party, not even the contract owner, can touch a user's funds.
The project includes a fully deployed smart contract on OPN Chain Testnet and a two-page frontend.
Contract address: 0x67Fecd16CdEA7da4005a6eb21dbC00Fc5De11041
Why
Most people struggle to save because nothing stops them from spending. Banks offer no real commitment mechanism. DeBank solves this by using the blockchain as a discipline layer your savings are locked by code, not by willpower. Once you deposit, the funds stay put until your chosen date, with an emergency early-exit always available for a small fee so you're never permanently blocked from your own money.
We also built with the future of OPN Chain in mind. The contract already supports multiple tokens, stablecoin vaults for USDC and USDT will activate automatically as those assets launch on the network.
How it works
- Connect your wallet (MetaMask, OKX, Coinbase, or Rabby) to OPN Chain Testnet
- Choose an amount of IOPN and a lock duration
- Deposit a small fee is deducted and your funds are locked on-chain
- Track your savings on the live dashboard with a real on-chain chart
- When your date arrives, withdraw in full or exit early anytime for a slightly higher fee
- Top up an existing lock anytime before it matures
Roadmap
02/03
What ships next.
The builder's own next-quarter plan. Use it to gauge follow-through and ambition.
DeBank — Roadmap
Q2 2026 — Testnet Launch (Completed)
Smart contract deployed and verified on OPN Chain Testnet
10/10 automated tests passing
Frontend live at iopn-debank.netlify.app(live domain at mainnet)
Multi-wallet support
· savings chart
· transaction history
· collapsible dashboard
Q3 2026 — Mainnet Launch
Independent security audit.
Deploy & verify TimeLockVault on OPN Chain Mainnet.
Transfer ownership to multisig wallet.
Activate USDC and USDT vaults as stablecoins land on OPN Chain.
Mobile-responsive frontend polish.
Q4 2026 — Stablecoins & Cross-Chain
Multi-asset dashboard — total locked value shown in USD equivalent.
Research and deploy DeBank on Arbitrum, Base, and BNB Chain.
Chain selector in the app — switch networks, see aggregate portfolio across all chains.
Q1/Q2 2027 — Arkive Launch
Upload physical asset documents (property, valuables, legal papers) to IPFS.
Mint an on-chain NFT as proof of registration for each archived asset.
Time-lock Arkive NFTs — lock a record for a set period (estate planning, legal holds).
Arkive dashboard — grid view, asset detail page, transfer function.
Q3/Q4 2027 — Governance & Ecosystem
$DBK governance token — community votes on fees, new assets, and chain expansions.
Public TVL analytics dashboard.
Developer SDK — third-party apps can read and integrate DeBank vault positions.
Arkive Pro — legal-grade timestamping and verified document tier.
Arkive marketplace — secondary market for tokenised physical assets.
What Never Changes
Non-custodial forever — no admin can ever touch user funds.
Early withdrawal always available on every chain, every version.
Fee ceiling stays at 5% — hard-coded, not a governance parameter.
On-chain proof
03/03
1 contract on OPN Chain.
The chain itself confirmed every deployment is valid, signed by the builder's wallet, and inside the season's window.