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🧪 Finance Banking Operations Simulation

Interactive 3D fractional-reserve banking simulator: watch a single deposit multiply into new money as each bank holds a reserve and lends out the rest, with live money-supply, reserve and interest-margin readouts and a regulatory reserve-requirement check.

Financial Models & Markets2DModerate60 FPS📱 Mobile-adapted

This simulator models the core operating mechanic of a fractional-reserve banking system: a single deposit passing through a chain of banks, each holding back a regulatory reserve and lending out the remainder, which becomes a new deposit at the next bank. Adjust the required reserve ratio and watch the deposit multiplier compound the original sum into a larger total money supply across the 3D chain of vaults, while loan and deposit interest-rate controls show the net interest margin the banking system earns at every step, and a compliance readout flags whether the chosen reserve ratio meets a regulatory minimum.

⚙ Under the hood

This simulation demonstrates the core operations of a bank, including transactions, account management, and regulatory compliance. It illustrates key banking processes.

Banking Operations

2D · HTML5 Canvas 2D · 60 FPS target · runs fully client-side, no install