diff --git a/include/bank.hpp b/include/bank.hpp
new file mode 100644
index 0000000..699708b
--- /dev/null
+++ b/include/bank.hpp
@@ -0,0 +1,63 @@
+#pragma once
+#include "parallel-hashmap/parallel_hashmap/phmap.h"
+#include "user.hpp"
+
+class
+{
+private:
+    phmap::parallel_node_hash_map<
+        std::string, User,
+        phmap::priv::hash_default_hash<std::string>,
+        phmap::priv::hash_default_eq<std::string>,
+        phmap::priv::Allocator<phmap::priv::Pair<const std::string, User>>,
+        4UL,
+        std::mutex>
+        users;
+
+public:
+    std::string admin_pass;
+
+    bool AddUser(const std::string &name, std::string &&init_pass)
+    {
+        return users.try_emplace_l(
+            name, []() {}, init_pass);
+    }
+    bool AdminAddUser(const std::string &attempt, std::string &&name, uint_fast64_t init_bal, std::string &&init_pass)
+    {
+        const bool state = (admin_pass == attempt);
+        if (state)
+        {
+            users.try_emplace_l(
+                name, []() {}, init_bal, init_pass);
+        }
+        return state;
+    }
+    bool SendFunds(const std::string &a_name, const std::string &b_name, uint_fast64_t amount, const std::string &attempt)
+    {
+        //if A exists, A can afford it, and A's password matches
+        bool state = false;
+
+        users.modify_if(a_name, [&state, amount, &attempt](User &a) {
+            if (state = (a.balance >= amount) && (a.password == attempt))
+            {
+                a.balance -= amount;
+            }
+        });
+
+        if (state)
+        {
+            //if B doesnt exist
+            if (!users.modify_if(b_name, [amount](User &b) {
+                    b.balance += amount;
+                }))
+            {
+                //attempt to refund if destination doesnt exist
+                users.modify_if(a_name, [amount](User &a) {
+                    a.balance += amount;
+                });
+            }
+        }
+
+        return state;
+    }
+} Bank;
\ No newline at end of file
diff --git a/include/user.hpp b/include/user.hpp
index 1594dbf..aeca485 100644
--- a/include/user.hpp
+++ b/include/user.hpp
@@ -2,17 +2,11 @@
 #include <string>
 #include <mutex>
 
-class User
+struct User
 {
-private:
-    uint_fast64_t balance;
+    uint_fast64_t balance = 0;
     std::string password;
 
-    //for read/write of object's state concurrently
-    std::mutex bal_lock;
-    std::mutex pass_lock;
-
-public:
     /**
      * @brief User constructor
      * 
@@ -28,64 +22,54 @@ public:
      */
     User(uint_fast64_t init_bal, std::string &&init_pass) : balance(init_bal), password(init_pass) {}
 
-    bool ChangePassword(const std::string &attempt, std::string &&new_pass)
-    {
-        std::lock_guard<std::mutex> lock{pass_lock};
-        const bool state = (password == attempt);
-        if (state)
-        {
-            password = new_pass;
-        }
-        return state;
-    }
+    // bool ChangePassword(const std::string &attempt, std::string &&new_pass)
+    // {
+    //     const bool state = (password == attempt);
+    //     if (state)
+    //     {
+    //         password = new_pass;
+    //     }
+    //     return state;
+    // }
 
-    /**
-     * @brief SendFunds allows sending of money between users if verification is provided in the form of a password and if the user has sufficient funds
-     * 
-     * @param a first user
-     * @param b second user
-     * @param amount amount being sent
-     * @param attempt password of first user
-     * @return wether transaction was succesful
-     */
-    static bool SendFunds(User &a, User &b, uint_fast64_t amount, const std::string &attempt)
-    {
-        bool state;
-        {
-            std::lock_guard<std::mutex> lock{a.pass_lock};
-            state = (a.password == attempt);
-        }
+    // // /**
+    // //  * @brief SendFunds allows sending of money between users if verification is provided in the form of a password and if the user has sufficient funds
+    // //  *
+    // //  * @param a first user
+    // //  * @param b second user
+    // //  * @param amount amount being sent
+    // //  * @param attempt password of first user
+    // //  * @return wether transaction was succesful
+    // //  */
+    // // static bool SendFunds(User &a, User &b, uint_fast64_t amount, const std::string &attempt)
+    // // {
+    // //     const bool state = (a.password == attempt) && (a.balance >= amount);
+    // //     if (state)
+    // //     {
+    // //         a.balance -= amount;
+    // //         b.balance += amount;
+    // //     }
+    // //     return state;
+    // // }
 
-        std::scoped_lock<std::mutex, std::mutex> lock{a.bal_lock, b.bal_lock};
-        state = state && (a.balance >= amount);
-        if (state)
-        {
-            a.balance -= amount;
-            b.balance += amount;
-        }
-        return state;
-    }
+    // /**
+    //  * @brief Get the balance of the User object
+    //  *
+    //  * @return the balance
+    //  */
+    // uint_fast64_t GetBal() const
+    // {
+    //     return balance;
+    // }
 
-    /**
-     * @brief Get the balance of the User object
-     * 
-     * @return the balance
-     */
-    uint_fast64_t GetBal()
-    {
-        std::lock_guard<std::mutex> lock{bal_lock};
-        return balance;
-    }
-
-    /**
-     * @brief Used for Verification of password by external services, this can be used for logging in or signature
-     * 
-     * @param attempt the password
-     * @return wether the passwords match
-     */
-    bool VerifyPassword(const std::string &attempt) //for connected services
-    {
-        std::lock_guard<std::mutex> lock{pass_lock};
-        return (password == attempt);
-    }
+    // /**
+    //  * @brief Used for Verification of password by external services, this can be used for logging in or signature
+    //  *
+    //  * @param attempt the password
+    //  * @return wether the passwords match
+    //  */
+    // bool VerifyPassword(const std::string &attempt) const
+    // {
+    //     return (password == attempt);
+    // }
 };
\ No newline at end of file