1. A method for conducting a trusted deposit auction within at least one network connected to at least one depositor's computer comprising: providing a host server connected to the network that performing steps comprising; A) receiving bid amount as a discount from principal or discounted principal from depositors; B) selecting a winner from said bids in said auction submitted by said depositors; C) excluding said winner from future auctions; D) depositing pooled funds for said winner's account; E) repeating steps A, B, C, D at predetermined intervals with remaining depositors and whereby said host server maximizes return on deposit for at least one depositor.