Bitcoin Forum

Bankera is building a digital bank to last for the blockchain era. As a traditional bank, Bankera's services fit into three groups:

Payments including payment accounts with personal IBAN, debit cards, interbank foreign exchange rates and payment processing. All services will support both traditional fiat currencies as well as cryptocurrencies such as Bitcoin, Ethereum, DASH, NEM, ERC20 compliant tokens and others. In the long term, Bankera will implement innovative solutions such as gross-domestic-product (GDP) linked currencies and the use of exchange traded funds as a substitute for money.

Loans and deposits will be a key competitive edge as well as core service of Bankera. Current deposits will receive interest just as savings do. All Bankera clients will be able to benefit from higher interest rates due to proprietary information about borrowers' cash flow, as most loans will be given to business clients who use the payment processing solution.

Investments will consist of low-cost investment products such as exchange traded funds (ETFs), crypto-funds (a portfolio of various cryptocurrencies and crypto tokens) as well as roboadvisory solutions for wealth management. Eventually, Bankera will offer investment banking services including financing corporate strategies of our business clients.

To implement Bankera's vision, we are launching an initial coin offering (ICO) to issue Bankera tokens on the public blockchain. The tokens called Bankers (BNK) will be issued during the pre-ICO and ICO.

The price during the ICO will depend on the total number of tokens issued during the ICO according to the table below:

BNK issued during ICO                             EUR per BNK rate during ICO
===============================================
0 - 1,000,000,000                                                 0.017
1,000,000,001 - 2,000,000,000                                 0.018
2,000,000,001 - 3,000,000,000                                 0.019
3,000,000,001 - 4,000,000,000                                 0.020
4,000,000,001 - 5,000,000,000                                 0.021
5,000,000,001 - 6,000,000,000                                 0.022
6,000,000,001 - 7,000,000,000                                 0.023
7,000,000,001 - 7,500,000,000                                 0.024

The ICO will be conducted at SpectroCoin exchange, so to be able to participate in the Bankera's ICO and get Bankers (BNK), you should open an account at SpectroCoin. Bankers (BNK) tokens will be issued as ERC20 compliant tokens for Ethereum blockchain and as NEM mosaics for NEM blockchain. The proportion between Ethereum and NEM tokens will be determined during pre-ICO and ICO depending on contributors' preferences.

Each holder of Banker (BNK) tokens will be entitled to a referral commission, paid weekly; this will be constituted of 20% of Bankera and SpectroCoin net transaction revenue. This will be implemented by taking 20% of Bankera's and SpectroCoin's net revenues and sending them to the smart contract. For example, if net revenues of Bankera for a week are 10,000,000 EUR, 2,000,000 EUR as referral commission will be sent to the smart contract.

icon of smart contract distribution to holders of Bankera's tokens
Finally, the Bankera's smart contract will distribute funds (Ether and XEM) to the holders of Banker (ERC20 and NEM mosaic) tokens pro-rata. For example, if there are 25,000,000,000 BNK tokens available in total and you have 1,000,000 BNK you will receive cryptocurrency in a value of around 80 EUR.

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