Equitable Virtual Bank system (EVB) Equity means the system has to be transparent and least costs. Virtual means it has to have minimum bankers' intervention but maintaining the best practices as codes to be executed over a network to facilitate the workings of the bankers. Bank means it has to have the best characteristics of a socially responsible bank designed for the people and managed by the same, all coded in an efficient way to guarantee the best results for the users. To design this EVB I will be combining 3 products as discussed below. The first product allows banks to bid for financial assets by providing an auction means and transparency to discover a better rate for banks to banks and for banks to customers. (US PATENT 7,376,612). The second product generates digital financial instruments (US PATENT 7,742,996) over POS using mobile device. The third product is social lending (US PATENT 8,001,035) and loan syndication (US PATENT 7,493,279).