A system and method for treating human nails afflicted with fungus, discoloration, or which are unusually thick is now disclosed. The system comprises a hydrogel moist pad or pad, a treatment agent comprising a metallic colloidal suspension having antifungal activity in an aqueous environment, and an adhesive for securing the hydrogel and treatment agent to a nail in need of such treatment. A method and regimen for treatment of the nail is also disclosed.
