From our point of view and the entire cryptographic community, the lack of innovation within the field of financial heritage management, means we remain anchored to the past. The opportunity that is being offered to us to start being part of the leaders of the new digital era has never been so great and enormously beneficial for all.After that, why does everything that encompasses the centralised banking system continues nowadays, with the same method as thousands of years ago?Every day we face thousand of monetary disadvantages worldwide, from accounts being blocked due to irrelevant reasons, excessive commissions for any type of account maintenance or cards, etc. An abuse of charges is generated by the Central Banks.The function to create an EMI (E-money institution), allows users to be able to operate in a decentralised way, without depending on a third party who executes their operations, to link this on-line account with an official bank account, gives the user the power to work with CONSENT to continue supporting/managing with the use of cash.To give this main function services, a series of added products, the App linked to the account of the user which will allow people to work from their phone device, where they will be able to manage to send money (Euro, Dollar, tokens, etc.), to make payments of any type (receipts, lists, etc.), to make on-line purchases, to save, to request micro-lending and a lot more. Everyone will be able to make operations such as dealing with any type of currency by means of our platform. To all this, it is allowed to add the Alux Bank's own totally secure payment card. The society wants to create a secure network of local collaborators as a service point of Alux Bank, to be able to make any sort of transaction. At the same time, we also want to establish ATM machines for such services. All this will be integrated by Smarts Contracts.