Bitcoin Forum

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It is very interesting banking project, hopefully it can go according to plan and successful.

If you'll have any questions, do not hesitate to ask them here. We are always ready to provide you with any additional info on the project workflow.

Do you offer any translation bounties?

Link to website is malicious? Can't open it on chrome

I got in no issues with Chrome

Thanks for admitting this alarming fact.

The works on security protocol have been finished.

Visit the site, it is totally secure: https://bank4you.io/

We are very grateful for your interest in the MMRS project. Let's stay in touch!

Does Smb knows, whether this team has experience?

Our team consists of highly experienced professionals. BTW this Announcement was created by the CTO of the project.

In case of any suspects, do not hesitate to visit the https://bank4you.io/#ico_team site section and carefully research LinkedIn profiles (just click IN under their names) of all persons taking part in the ICO. Take some time to browse and you'll be surprised at how serious they are.

Hey Bank4you community,
From now, you have a chance to review this ICO and earn crypto!

We value your opinion and are ready to reward you for it!

We’re now offering all users a chance to review upcoming ICOs on our platform for a chance to earn some crypto. This approach will be helpful for the project team, as they can hear some feedback from the audience  ;)

What you need to know:
—The top 5 reviewers will receive rewards in ETH
—1st place review is selected by ICObazaar (reward=0.1ETH)
—2nd-5th place rewards are given to the reviews with the highest # of upvotes from other users (reward=0.4 ETH, split among the 4 winners proportionally according to # of upvotes)
—Reviewing for upcoming ICOs is open up until the day the ICO launches.

Here’s how it works:
1. Register on icobazaar.com (https://icobazaar.com)
2. Review an upcoming ICO on our platform — reviews are located on every ICO page under upcoming ICOs (https://icobazaar.com/list/upcoming), here is Bank4you page (https://icobazaar.com/bank4you)
3. Hopefully be one of the top 5 reviewers

See you there !

Thanks for listing us! We appreciate your good rating of our ICO. Waiting impatiently to get familiar with your thoughts about our ICO.

We've listed your ICO at https://foxico.io/project/mobilemoneyremittanceprojectbybank4yougroup (https://foxico.io/project/mobilemoneyremittanceprojectbybank4yougroup)

An interesting and timely project. Is the bounty company planned?

When is this whole thing going to be launched? I'm a bit confused after reading this thread. Is the ICO already running?

Bank4YOU Group presents Mobile Money Remittance System at Finovate Asia 2017

More on Coinidol.com: https://coinidol.com/bank4you-group-presents-mobile-money-remittance-system-at-finovate-asia/

https://coinidol.com/upload/resize_cache/iblock/097/900_900_1/097b3d61a421ff7fa5a9ff2481321c4f.jpg

Dear, what dit confuse you? Yes, the pre-sale did start today.

We are waiting for you in the investor's cabinet: https://cabinet.bank4you.io/login

The ICO is listed in 20 calendars, so you'll definitely won't miss the dates!

Dear Team!
Do you need Russian Translation of you Whitepaper?

any bounty @team , it will help you to further help the project and spread the news

So many rounds! What for?

And so we will receive our tokens only in the begin of mach 2018?  :o

Waiting for me to join the investor's cabinet? :) Has the red carpet already been rolled out for me? On my way guys! :P

Do you consider 3 rounds to be too many?  :D It depends on what ICOs you are comparing us to.

In order everyone definitely got their tokens, it was decided to take a month for performing all needed procedures. During the February the tokens will be distributed amongst the holders. 

thx

How can I participate in the bounty program?

As of now there hasn't been anything announced about a bounty as far as I know.

You can join our referral program by registering in the Investor's Cabinet. In case if you decide to purchase a package of 5000 BFY or 15000 BFY, you'll get special B4U cards as a present. 

Interesting! I'm going to Singapore for a BlockShow on November 27... I would like to meet some people there to discuss this project! Is anyone doing to be there?

Team of ICOscoring.com (http://ICOscoring.com) has analyzed project Bank4You and some interesting investment opportunities – all these reports you can find on our website. So we hope, that our efforts will help you to form more detailed picture of current and upcoming ICO.

https://icoscoring.com/project/5a0b5a14734d1d08bf70a54a/ (https://icoscoring.com/project/5a0b5a14734d1d08bf70a54a/)

haven't heard back from you guys...

This is a Good project but lack of support, do you launch any bounty campaigns from this project? 

Is it this conference you are talking about? https://blockshowasia.com/
I think it's November 29th... but it's a good one, I'll go there... I found somewhere here a discount code VIP30, so I bought tickets cheaper.

We could have met at Blockchainconfex in Dubai on 23d of November...

Thanks! Such a great report!

What is the speculative value of your token?

Minimum purchase? Maximum purchase?

What this project is trying to solve?

What kind of team is behind the project? Do you have enough experience for it?

In your application is available Micro loans. For example - I need for this a passport or something?

What are you going to do in order to provide liquidity to your tokens?

$0,21 The exchange rate in case of payment in BTC, ETH is fixed at the market level (in US dollars for unit of crypto currency) on the date of receipt of the payment.


Minimum amount to participate is 500 BFY. Total Goal: $ 50M

The company aims to ease international money turnover and to provide customers with an
opportunity to withdraw money in any local currency.


Bank4YOU is an established group of companies, not a start-up. There is a significant recognition
and trust of our clients, whom we have been working for years.

Can I just transfer money from your app to my friend, do not buy tokens and etc.?

Yes you need documents to confirm your identity.


Concerning BFY it gives its holders additional discounts for remittances and long-term profit from
turnovers inside the system.None other product gives a chance to make transactions with
mobile money globally.


The main component of the MMRS is a system of tokens tied to local currencies of the countries of system user’s countries, which enables fast, reliable and cheap remittance of values across the borders of states and continents. Operating such tokens makes it possible to increase the user trust in the system providing the simplest and the most understandable mechanism for converting fiat currencies into electronic ones. The issue of tokens occurs only on condition of the fiat money being brought into the system, which is intended to ensure the stability of the exchange rate.

If I will buy an card4YOU from you, then how do I get it?

It will be sent via Post to you.

In what countries I can use app for this moment?

When i buy a token, how do I use it in your app?

How will the investment in your project help to investor?

TaxFree4U provides the service in the following countries:
France
Germany
Italy
Spain
United Kingdom
Finland


The token, called Mobile Money Remittance or MMR, payment capability enables payment with fiat money
stored on Bank 4YOU Group’s account at mobile network operators with deposits (see Fig.7) mainly in US
dollars. The MMR token is issued once fiat money is placed and can be freely converted into several means
of payment in various countries: fiat currencies, mobile money, airtime minutes depending user needs and
local market specifics.


BFY token grants the right to receive:
1. Part of total group companies income up to 1% received from loan products implementation.
2. 2.5% discounts for purchasing MMR token.
3. 1% of income by group of companies of mobile money remittances total turnover.

How soon after the ico will I get tokens?

You are going to proceed in Africa, Asia and Latin America. It turns out that the application will be able to use only in these countries?

What will happen to the tokens in the case of hardfork?

How many INS tokens will be sold during the ICO? And what will be with unsold ones?

How long have your team been involved in blockchain?

There will not be any hardfork for this token because it is made on ethereum blockchain.


80% of the whole sum will be sold - 240,000,000 BFY tokens.
BFY coins are sent automatically through Etherium smart-contract.

What will happen to my contribution, if you do not collect the required amount?

Established in 2013 and headquartered in London, UK, Bank4YOU in 2016 has transformed into Bank4YOU Group, an international consortium of fin-tech service companies operating successfully within the electronic mobile payment services arena. FCA License No715451, issued by Financial Services Authority, UK grants the right to provide credits.
We already own unique card solutions packed with a range of state of the art mobile banking services. In addition, easy-to-use free of charge mobile Bank4You app, created by a team of experienced fin-tech specialists.

At the moment BANK4YOU app is available on Android. Do you plan in the future to tailor the program to other operating systems, such as Windows Phone and IOS?

What about US citizens, can they participate??

The same question)) we want it on IOS!)

Where's your head office located?

"""We have a working version of the application.

You can download the application at this link:
https://itunes.apple.com/ua/app/bank4you/id1069036395?l=ru&mt=8
https://play.google.com/store/apps/details?id=uk.bank4you.client"


 Nor a “U.S. person”, within the meaning of regulations of the U.S. Securities Act 1933, nor a Canadian citizen, or a citizen of the Republics of Singapore and Korea, or the People’s Republic of China are allowed to participate

Sometimes it's good to be European :)

What is the main purpose of your project?

:D right! But actually many Americans take part in icos etc, the question is why

Bank4YOU Group’s ‘Mobile Money Remittance System’ will set a new trend in international money transfers
and will contribute to the creation of fast, convenient, and secure money transfers worldwide.
The mobile app will also enable financial  inclusion for people who are in desperate need of easy access to
financial services in countries across Africa, Asia, and Latin America. It would also lead to new opportunities
for businesses, financial institutions, and mobile network operators to use crypto currencies.

Hi> What profit will gain usual investor?

Do you have some video or something - about how it works?

The Bank4YOU Group (BFY) ICO token on the Ethereum platform will be implemented for those keen on
long-term profit from system activities. The BFY token will allow profit on transactions and through other
financial operations in the system. Besides, the BFY token holder will be allowed to purchase MMR tokens
on discounted price, which means cheaper services on cross-border transfers.
The revenue generated through the sales revenue of Bank4YOU Group’s credit products will provide for
financial transaction profit. Transactions reporting will be provided by the independent auditing organisations
controlling the income generation of Bank4YOU Group. Equitable distribution of a part of this income
to users will be enabled


yes sure here it is

https://www.youtube.com/watch?v=9xJ_g-rjRj8

https://www.youtube.com/watch?v=XiDXK51wq5E

It seems very amazing project for the future , maybe I can join as a team if you need , I can do as Indonesian translator especially the white paper or maybe as bounty manager.                                             

What is the special package for investors who will buy big amounts of tokens?

You are welcome. Stay tuned for further updates


Special Packages have been designed for those purchasing 5000 tokens (Standard Package) and 15000
tokens (Premium Package). Corporate card and Premium card respectively will become our gifts to devoted
investors.

What is the main competitive advantage of BANK4YOu app?

How are you going to cooperate with your partners, that you already announce?

The mobile app will enable financial inclusion for people who are in desperate need of easy access to
financial services in countries across Africa, Asia, and Latin America. It would also lead to new opportunities
for businesses, financial institutions, and mobile network operators to use crypto currencies.

Do you accept credit/debit card payment option?

How long does it take for the payment to arrive?

We have entered into the agreements with numerous mobile operators, including: Azerfon, Bakcell, Jazz Cash(VEON), Tranglo. And at the signing stage: TransferTo, Sochitel.


No, just Bank transfer (SWIFT / SEPA):in USD / EUR / GBP and of course Ethereum & Bitcoin

The payment is nearly realtime .

Do you have an escrow?

What the actual problems will BANK4YOU will solve?

The project seems really interesting, so please keep the audience updated! Thanks and good luck!

Is there a guarantee that after ICO your bounty okens will not depreciate?

There is no need of escrow in such type of project


Based on the preferences of our customers, Bank4You develops convenient financial instruments for performing money transactions. The company works towards implementing a new generation of financial services in the everyday lives of people.


Thanks for interest in our project . Stay tuned .

The project will be fulfilled regardless of the amount collected. Tokens will be distributed according to the amount collected. Shareholder will continue the project on his own funds, regardless of the ico results.

It depends on the market. And giving guarantee is illegal. But we will do our best for the token demand to be higher and higher.

Where is your main office located?

Bank4YOU Group - established in 2013 and headquartered in London, UK, in 2016 Bank4YOU transformed into Bank4YOU Group, an international consortium of fin-tech service companies operating within the electronic mobile payment services arena.

Can I sell your token in exchange? And if yes then when? After ICO?

Will you have a refferal program?

What happens with unsold tokens?

yes
The referral program works by means of distribution of a referral code and provides xed remuneration at a
rate of 40 BFY. The main condition should be followed such as there should be BFY tokens purchased
during the ICO campaign on the user's account. The one who sent and the one who activated the referral
BFY code will receive bonus at a rate of 20 BFY each and referral tokens will be granted after the end of ICO
only to those who made an investment and will be sent to the user's Bank4YOU wallet.

Yes, after ICO. We are in talks with top exchanges and will be listed at the best ones, but can’t specify which ones will be the first.

The exact number of tokens generated depends on the amount of funds contributed.

why you need decentralized scheme here, how it is implemented and what are benefits of it in your project?

Great idea! I'm with you!

Do you have ru Telegram?

Is there an app?

it is a centralized scheme

Thank you for your support! We appreciate it!

it is only English so far. https://t.me/Bank4YOU_Group
Let us keep it touch!

We have a working version of the application.

You can download the application at this link:
https://itunes.apple.com/ua/app/bank4you/id1069036395?l=ru&mt=8
https://play.google.com/store/apps/details?id=uk.bank4you.client"

What exchanges will be available there?

I advise you to create ru telegram

When ICO ends?

so far talks... as soon as available, surely we will inform our audience . Stay tuned.

In the meantime here are useful links with fresh news from our project :


Official site   https://bank4you.io/index.html
Telegram - EN   https://t.me/Bank4YOUGroup
Facebook   https://www.facebook.com/Bank4YOUGroup
Twitter   https://twitter.com/Bank4YOUGroup
Bitcointalk ANN   https://bitcointalk.org/index.php?topic=2262673.0
Blog / Medium   https://medium.com/@Bank4youGroup
LinkedIn   https://www.linkedin.com/company/27007303/
Reddit https://www.reddit.com/r/ethtrader/comments/78o1ex/bank4you_ico_launching_their_bfy_token_10262017/

Thanks, and you are free to ask any questions in our Telegram Group https://t.me/Bank4YOUGroup ( even in russian )

3rd round of ICO ends 31.01.2018

Do you have test app?

Such a project certainly has a lot of competitors. Do you afraid of failure?

We have a working version of the application.

You can download the application at this link:
https://itunes.apple.com/ua/app/bank4you/id1069036395?l=ru&mt=8
https://play.google.com/store/apps/details?id=uk.bank4you.client"

every business starts being sure to have its share of market and happy customers ))

I wish you a fast release and success)
Your development became very popular!

Hello sir, I think that no one will give you this information and will not tell, as there is a clear agreement between developers and exchanges about not disclosing this information, it's better just to follow the twitter of the project, they will definitely make a post about it when the time comes.

Do you have any partners?

Thank you! We appreciate your support!

How much 1ETH= BFY token ?

1 BFY =   $0,21. The exchange rate in case of payment in BTC, ETH is fixed at the market level (in US dollars for unit of crypto currency) on the date of receipt of the payment.

can you specify your question?

Hope the project will succeed ;)

What are the main directions of development of your project ?

Thank you! We appreciate your support!

Based on the preferences of our customers, Bank4You develops convenient financial instruments for performing money transactions. The company works towards implementing a new generation of financial services in the everyday lives of people.

Thank you, we appreciate your support!

Where are your offices located?

Bank4YOU Group Established in 2013 and headquartered in London, UK, Bank4YOU in 2016 has transformed into Bank4YOU Group, an international consortium of fin-tech service companies operating successfully within the electronic mobile payment services arena. FCA License No715451, issued by Financial Services Authority, UK grants the right to provide credits.

What are the bonuses for those who want to make a big investment?

What information about the person your application requires for use?

It is being said that project is under UK jurisdiction. Then are other countries citizens to participate in it and use your apps?

Can I pay for purchases using your application?

Sure, this is one of the main features of the project.


Special Packages have been designed for those purchasing 5000 tokens (Standard Package) and 15000
tokens (Premium Package). Corporate card and Premium card respectively will become our gifts to devoted
investors.


It requires your mobile phone number , your ID document foto and a foto of any utility bill.


This project is for all people worldwide

Hello. Let's say I am going to travel from Europ to Asia, will I be able to use your service and how would it look like? Will I be able  just pay using tokens or I can withdraw?

What are the benefits for the investors, i mean if someone buys and holds the tokens will he be receiving any profit share from the company? Or the tokens are just for spending on the platform?

Yes sure we have the referral program and it works by means of distribution of a referral code and provides fixed remuneration at a rate of 40 BFY. The main condition should be followed such as there should be BFY tokens purchased during the ICO campaign on the user's account. The one who sent and the one who activated the referral BFY code will receive bonus at a rate of 20 BFY each and referral tokens will be granted after the end of ICO only to those who made an investment and will be sent to the user's Bank4YOU wallet.

Here is the link :
https://cabinet.bank4you.io/login?_ga=2.243958786.626199551.1511292997-2073018108.1511292997


The token, called Mobile Money Remittance or MMR, payment capability enables payment with fiat money
stored on Bank 4YOU Group’s account at mobile network operators with deposits mainly in US
dollars. The MMR token is issued once fiat money is placed and can be freely converted into several means
of payment in various countries: fiat currencies, mobile money, airtime minutes depending user needs and
local market specifics.

Here you can watch how it will be :

YouTube: https://youtu.be/XiDXK51wq5E


"Concerning BFY it gives its holders additional discounts for remittances and long-term profit from
turnovers inside the system.None other product gives a chance to make transactions with
mobile money globally."

The speed at which the cryptocurrency market is developing is incredible and is bringing many new services with it to the market. The product that we plan to bring to the market is equally advantageous for both clients and companies. For clients, to receive access to the desired goods and services, and for companies, to attract new clients. However, only holders of our tokens will be able to take advantage of the capabilities of the platform.

Does that mean users are eligible to take loan from you?

Hmm there is already man bank projects i don't get what is new in this one? Can someone please explain me what difference?

What is the difference between your project and other money mobile remittance companies?

Do you have some video, about how the app is working?

What are limitations for project, app, and tokens if there are any?

Yes , you are right there will be incorporation
of microcrediting system, and new financial services based on Blockchain.



We already own unique card solutions packed with a range of state of the art mobile banking services. In addition, easy-to-use free of charge mobile Bank4You app, created by a team of experienced fin-tech specialists.


Yes sure , here are the links :
YouTube: https://youtu.be/XiDXK51wq5E

ICO Website: https://bank4you.io/

Is your app already tested and ready to use?

We already own unique card solutions packed with a range of state of the art mobile banking services. In addition, easy-to-use free of charge mobile Bank4You app, created by a team of experienced fin-tech specialists.

YouTube: https://youtu.be/XiDXK51wq5E


If we say about tokens, then limitations for them, is that there are only 300.000.000 BFY .

Perseverance is majestic, because perseverance is honed in every possible way; persistence is sweet, because the dauntless and persistent perseverance has sowed the seeds of victory in the heart. Team refueling!!!!

How long does it take for the payment to arrive?

We strongly appreciate your support! Thanks


Introduction of blockchain technologies will make transactions quick, secure and will help to avoid bank commissions.
It depends on the ethereum network throughput.

Do you still have headquarters in the UK? Is it international project or British solely?

Do you have a bounty for sharing in social media?

Bank4YOU Group Established in 2013 and headquartered in London, UK, Bank4YOU in 2016 has transformed into Bank4YOU Group, an international consortium of fin-tech service companies operating successfully within the electronic mobile payment services arena. FCA License No715451, issued by Financial Services Authority, UK grants the right to provide credits.


There is no planned bounty programm in social media , but if something changes we surely inform our audience. Stay tuned.

What percentage of the token will be sold to ICO?

What does the project offer token holders?

Which countries in Latin America are you targeting?

80% of tokens will be sold during the ICO (Token Sale Campaign)

What happens to the unsold token that is not sold out in the main sale for the ICO? Burn or go back or will there be another redistribution post-ICO?

Therefore, BFY token grants the right to receive:
1. Part of income gained from Bank4YOU Group bank activities.
2. Discounts for purchasing MMR token.
3. Part of total system turnover of international money transfers.


Bank4YOU Group’s ‘Mobile Money Remittance System’ will set a new trend in international money transfers
and will contribute to the creation of fast, convenient, and secure money transfers worldwide.
The mobile app will also enable financial inclusion for people who are in desperate need of easy access to
financial services in countries across Africa, Asia, and Latin America.

There are such ICO rounds:

Pre Sale
7 days
6.11 - 12.11
20%

1 Round
14 days
13.11 - 26.11
15%

2 Round
21 days
27.11 - 17.12
10%

3 Round
45 days
18.12 - 31.01.2018

What does the fact that HQ is in UK and company is under UK laws mean for agent and users? Will it have impact on inner transactions?

Bank4you Group’s team is international; our team of representatives and advisers are all over the globe. Established in 2013 and headquartered in London, UK, in 2016 Bank4YOU transformed into Bank4YOU
Group, an international consortium of  n-tech service companies operating within the electronic mobile payment services arena. FCA License No715451, issued by the UK's Financial Conduct Authority authorizes
Bank4YOU to provide credit. Bank4YOU customers no longer need to depend on bureaucratic procedures associated with traditional banking. Its service has been created to ensure time-e ciency, convenience and secure transactions. Bank4You already works with a number of blue-chip organizations, delivering state-of-the-art prepaid card programs that target di erent user groups. Its customers are able to choose their ideal product from a wide range of pre-paid card options including Bank4You Group’s Corporate card and Premium card, along with mobile banking services.

What is the main purpose of your project?

Bank4YOU Group’s ‘Mobile Money Remittance System’ will set a new trend in international money transfers
and will contribute to the creation of fast, convenient, and secure money transfers worldwide.
The mobile app will also enable financial  inclusion for people who are in desperate need of easy access to
financial services in countries across Africa, Asia, and Latin America. It would also lead to new opportunities
for businesses, financial institutions, and mobile network operators to use crypto currencies.

How do you ensure the security of money transfers?

Do you have a bounty?

Our security system was designed by internationally acclaimed security experts, so we take this question very seriously.

How to Secure your MyEtherwallet Security/Private Key/Keystore - https://www.youtube.com/watch?v=NhdOzHrSzR8"

The company has created its own crypto currency, the ‘MMR’ token, which underpins its Blockchain system for mobile money transfers. Remittances will be executed via mutual agreements between customers and partners regardless of their respective locations.
The main component of the MMRS is a system of tokens tied to local currencies of the countries of system user’s countries, which enables fast, reliable and cheap remittance of values across the borders of states and continents. Operating such tokens makes it possible to increase the user trust in the system providing the simplest and the most understandable mechanism for converting fiat currencies into electronic ones. The issue of tokens occurs only on condition of the fiat money being brought into the system, which is intended to ensure the stability of the exchange rate.
Also, the system is transparent and allows auditing by independent assessors who are not affliated with Bank4YOU Group.

There is no planned bounty programm, but if something changes we surely inform our audience. Stay tuned.
Also, you can join our referral program by registering in the Investor's Cabinet. In case if you decide to purchase a package of 5000 BFY or 15000 BFY, you'll get special B4U cards as a present.

From which country are you going to start your project?

Please, tell me about the benefits of special B4U card

You can download and use app all over the world.

Bank4YOU Card has been designed for individuals, who don’t want or don’t have a possibility to obtain a foreign bank account. The card can be used to withdraw funds globally. Ideal option for frequent travellers and students.
Bank4YOU Card Premium is a perfect card for exceptional customer experience. Best set of features capable to satisfy most demanding clients along with premium VAT refunding option.

Thank you very much for the information) I wish your team successes in the development of the project!

You are welcome! Thank you, we appreciate your support! Stay tuned!

Do you have a Whitepaper?

Yes, sure you can read form our site https://bank4you.io/docs/Bank4YOU_MMRS_WP_EN.pdf

Do you have a bounty program? How can I participate?

There is no planned bounty programm, but if something changes we surely inform our audience. Stay tuned.
Also, you can join our referral program by registering in the Investor's Cabinet. In case if you decide to purchase a package of 5000 BFY or 15000 BFY, you'll get special B4U cards as a present.

Thank you! The headquarter is in UK and company is under UK laws. What does it mean for agent and users? Will it have impact on inner transactions?

Bank4you Group’s team is international; our team of representatives and advisers are all over the globe. Established in 2013 and headquartered in London, UK, in 2016 Bank4YOU transformed into Bank4YOU
Group, an international consortium of  n-tech service companies operating within the electronic mobile payment services arena. FCA License No715451, issued by the UK's Financial Conduct Authority authorizes
Bank4YOU to provide credit. Bank4YOU customers no longer need to depend on bureaucratic procedures associated with traditional banking. Its service has been created to ensure time efficiency, convenience and secure transactions. Bank4You already works with a number of blue-chip organizations, delivering state-of-the-art prepaid card programs that target di erent user groups. Its customers are able to choose their ideal product from a wide range of pre-paid card options including Bank4You Group’s Corporate card and Premium card, along with mobile banking services.

What is the difference between your project and other money mobile remittance companies?

The difference is we already own unique card solutions packed with a range of state of the art mobile banking services.
In addition, easy-to-use free of charge mobile Bank4You app, created by a team of experienced fin-tech specialists.

Your app is available already and working, right? Can you give the link?

We have a working version of the application.

You can download the application at this link:
https://itunes.apple.com/ua/app/bank4you/id1069036395?l=ru&mt=8
https://play.google.com/store/apps/details?id=uk.bank4you.client

Thank you! What does the project offer token holders?

Therefore, BFY token grants the right to receive:
1. Part of income gained from Bank4YOU Group bank activities.
2. Discounts for purchasing MMR token.
3. Part of total system turnover of international money transfers.

How do you ensure the security of money transfers?

Our security system was designed by internationally acclaimed security experts, so we take this question very seriously.

How to Secure your MyEtherwallet Security/Private Key/Keystore - https://www.youtube.com/watch?v=NhdOzHrSzR8

Good! In your application micro loans are available, for example. I need for this a passport or something?

In what countries I can use app for this moment?

What is the special package for investors who will buy big amounts of tokens?

In case if you decide to purchase a package of 5000 BFY or 15000 BFY, you'll get special B4U cards as a present.
https://cabinet.bank4you.io/login?_ga=2.185237806.626199551.1511292997-2073018108.1511292997

TaxFree4U app provides the service in the following countries:
France
Germany
Italy
Spain
United Kingdom
Finland

You can download the application at this link:
https://itunes.apple.com/ua/app/bank4you/id1069036395?l=ru&mt=8
https://play.google.com/store/apps/details?id=uk.bank4you.client"

When token creation will begin?

Good! What is the main competitive advantage of BANK4YOu app?

The token creation will begin on the first day of ICO.

What percentage of the token will be sold to ICO?

It is easy-to-use free of charge mobile app, created by a team of experienced fin-tech specialists.
You can download the BANK4YOu app from this link:
https://itunes.apple.com/ua/app/bank4you/id1069036395?l=ru&mt=8
https://play.google.com/store/apps/details?id=uk.bank4you.client

80% of tokens will be sold during the ICO (Token Sale Campaign)

Is BFY's  exchangeable?

At the moment Mobile Money Remittance System app is available on Android and iOS. Do you plan in the future to tailor the program to other operating systems, such as Windows Phone?

If I will buy an card4YOU from you, then how do I get it?

The project seems colossal. Can such a small team to deal with it?

It will be sent via Post to you.

Bank4you Group’s team is international; our team of representatives and advisers are all over the globe. Established in 2013 and headquartered in London, UK, in 2016 Bank4YOU transformed into Bank4YOU
Group, an international consortium of  n-tech service companies operating within the electronic mobile payment services arena. FCA License No715451, issued by the UK's Financial Conduct Authority authorizes
Bank4YOU to provide credit. Bank4YOU customers no longer need to depend on bureaucratic procedures associated with traditional banking. Its service has been created to ensure time-e ciency, convenience and secure transactions. Bank4You already works with a number of blue-chip organizations, delivering state-of-the-art prepaid card programs that target different user groups. Its customers are able to choose their ideal product from a wide range of pre-paid card options including Bank4You Group’s Corporate card and Premium card, along with mobile banking services.

Will you do promo tokens?

Unfortunately no there will be only MMR tokens, which underpins its Blockchain
system for mobile money transfers inside the system. And the BFY tokens that are a crypto currency, which can be bought during the ICO campaign. The BFY token can be purchased on other exchange rates including cryptocurrency exchanges.

Hi, what currencies can I use to buy a token?

These currencies are accepted during the ICO: BTC, ETH, GBP, USD, EUR

Do you have any actual product?

Thanks, but for using the app, is it necessary to provide information about my personality?

Established in 2013 and headquartered in London, UK, Bank4YOU in 2016 has transformed into Bank4YOU Group, an international consortium of fin-tech service companies operating successfully within the electronic mobile payment services arena. FCA License No715451, issued by Financial Services Authority, UK grants the right to provide credits.

Bank4YOU Group mission is to enable customers to access easy and convenient mobile services, saving on time and resources. We already own unique card solutions packed with a range of state of the art mobile banking services. In addition, easy-to-use free of charge mobile Bank4You app, created by a team of experienced fin-tech specialists.

Hello, can you tell me a bit about the bank4you structure?

Yes, of course, you need to provide minimum of personal data because app is meant for banking service use.

Good, thank you. And so I need the same personal data as an ordinary bank in the country where I live?

Hi, how can I join your ico, thx?

Could you please clarify your question whether you asked about our Team or roadmap or maybe interaction between all parties involved?

You are most welcome. Exactly, personal data is needed for your identity confirmation, confirmed address might bee needed, too.

Please, open our website https://bank4you.io and there you need to click on Contribute button to be re-directed to the login page of you Ivestor's personal account(please, note you can login/sign in using email or various social networks profile).

I'd like to know more about the team and the advisors first, if you don't mind :)

What is your hard cap of the project?

and what about soft cap?

Please, add something about company's quarters if there are any.

Yes, please, share that information as we were not able to locate it.

Thank you for the clarification.
Established in 2013 and headquartered in London, UK, in 2016 Bank4YOU transformed into Bank4YOU Group, an international consortium of n-tech service companies operating within the electronic mobile payment services arena. FCA License No715451, issued by the UK's Financial Conduct Authority authorizes Bank4YOU to provide credit.
Please, check here for more details about each of our team and advisory board member:
Team and Advisors: https://bank4you.io/#ico_team (https://bank4you.io/#ico_team)
Partners: https://bank4you.io/#ico_partners (https://bank4you.io/#ico_partners)

Tokens will be issued in equivalent of $50 million, when the ICO will reach this hard cap it will be stopped ahead of scheduled dates. The scheduled duration of ICO is 50 days. The general amount of BFY tokens is 300.000.000.

And here is a bit about  company's structure:

Bank4YOU Group Luxembourg:
- B4YOU United Kingdom, London (FCA License No.715451 issued by Financial Services Authority, UK grants right to provide credit to consumers.)
- Bank4YOU FINTECH Macau (Operations division, Southeast Asia market.)
- PSP Payments, United Kingdom (The company is engaged in emission of electronic money, provision of making payments services and the
 management of payment systems.)

Why do you need ico actually? If the business is working already

And what is your difference from other mobile money remittance companies??

How will the funds raised during the ico will be exploited?

Bank4YOU Group mission is to enable customers to access easy and convenient mobile services, saving on time and resources. With implementation of private blockchain we will create unique and discreet system with an inner currency Mobile Money Remittance (MMR), which operates transactions between clients and settles deals between partners in individual countries.
"Bank4YOU Group’s ‘Mobile Money Remittance System’ will set a new trend in international money transfers and will contribute to the creation of fast, convenient, and secure money transfers worldwide. The mobile app will also enable financial  inclusion for people who are in desperate need of easy access to financial services in countries across Africa, Asia, and Latin America. It would also lead to new opportunities for businesses, financial institutions, and mobile network operators to use crypto currencies."

Furthermore, we want to move forward always to ensure better quality of our product. The company aims to ease international money turnover and to provide customers with an opportunity to withdraw money in any local currency. ICO or initial coin offering (primary coins placement) is a mechanism to raise funds for a crypto currency venture. It is also a model of crowd funding 3.0, which helps participants to finance the development of the company in order to benefit from such investments in future.
The ICO means will be distributed as per the development of the project. Bank4YOU Group plans to spend crowd funded means on elaboration of its system of mobile money, development of new software, incorporation of microcrediting system, and new financial services based on Blockchain.

We already own unique card solutions packed with a range of state of the art mobile banking services. In addition, easy-to-use free of charge mobile Bank4You app, created by a team of experienced fin-tech specialists.

The ICO means will be distributed as per the development of the project. Bank4YOU Group plans to spend crowd funded means on elaboration of its system of mobile money, development of new software, incorporation of microcrediting system, and new financial services based on Blockchain.

What are token holder benefits?

What is the benefit of your project for mobile operators?

BFY token grants the right to receive:
1. Part of income gained from Bank4YOU Group bank activities.
2. Discounts for purchasing MMR token.
3. Part of total system turnover of international money transfers.

By taking part in our project they will increase mobile traffic sales.

What makes the your token unique?

How do you ensure the security of money transfers?

The whole system is unique :) and the token is an addition to our unique cards, but owning tokens you will receive a little bit more than usually:
- Real time money transfers (using mobile money and mobile airtime)
- Enhanced security
- Everyone can be a participant, there are no geographical restrictions.
- No bank’s or any other types of commission fees.
- Possibility of receiving money transfers in countries with poor banking infrastructure

Our security system was designed by internationally acclaimed security experts, so we take this question very seriously.

How to Secure your MyEtherwallet Security/Private Key/Keystore - https://www.youtube.com/watch?v=NhdOzHrSzR8

What is the guarantee of the long-term work of this project?

What is the price of the tokens?

And at what exchanges will tokens be listed if they will?

Do you have an application for Windows Phone?

How long team worked together?

Established in 2013 and headquartered in London, UK, in 2016 Bank4YOU transformed into Bank4YOU Group, an international consortium of n-tech service companies operating within the electronic mobile payment services arena. FCA License No715451, issued by the UK's Financial Conduct Authority authorizes Bank4YOU to provide credit. The company has strong and reliable financial history, and is being supported by legal and financial authorities.



At the moment we have apps for iOS and android based devices, you can find the latter in Google PlayStore.
https://play.google.com/store/apps/details?id=uk.bank4you.client



"Bank4you Group’s team is international; our team of representatives and advisers are all over the globe. Established in 2013 and headquartered in London, UK, in 2016 Bank4YOU transformed into Bank4YOU
Group, an international consortium of  n-tech service companies operating within the electronic mobile payment services arena. FCA License No715451, issued by the UK's Financial Conduct Authority authorizes
Bank4YOU to provide credit. Bank4YOU customers no longer need to depend on bureaucratic procedures associated with traditional banking. Its service has been created to ensure time efficiency, convenience and secure transactions. Bank4You already works with a number of blue-chip organizations, delivering state-of-the-art prepaid card programs that target di erent user groups. Its customers are able to choose their ideal product from a wide range of pre-paid card options including Bank4You Group’s Corporate card and Premium card, along with mobile banking services."

BFY tokens are not shares, goods or investments. BFY token is a crypto currency, which can be bought during the ICO campaign. The BFY token can be purchased on other exchange rates including cryptocurrency exchanges. Like any crypto currency you can sell BFY token on the crypto currency exchanges or markets.
More information about exchange listing will be announced once everything is confirmed.

What is MMRS?

Oh, now I see, thanks for clarifying it! Good luck to the project!

What are you going to do with money raised?

What financial instruments do you use for performing money transactions?

And another question is can I pay using your application?

How are you going to cooperate with your partners,you listed on the website?

Do you have some video, about how the app is working?

MMRS - is an electronic payment system that allows money transfers to mobile accounts with possibility of receiving local currency. Introduction of blockchain technologies will make transactions quick, secure and will help to avoid bank commissions



Bank4You Group plans to sign contracts and open guarantee accounts with mobile network operators, both local and global. The main idea here is to redeem time, and receive discounts placing deposits (avg. $200,000-$500,000) on accounts of mobile network operators. This will reduce fees for transactions for Bank4You Group’s customers.



Mobile Money Remittance System (MMRS) is an innovative electronic payment system, which enables safe execution of cross-border mobile money transfer between countries with the possibility to withdraw funds in local currency using products of the local mobile operator (such as mobile money and mobile airtime).

Bank4YOU Group believes mobile money remittances should be fast, convenient, and safe.

With implementation of private blockchain we will create unique and discreet system with an inner currency Mobile Money Remittance (MMR), which operates transactions between clients and settles deals between partners in individual countries.

The main component of the MMRS is a system of tokens tied to local currencies of the countries of system user’s countries, which enables fast, reliable and cheap remittance of values across the borders of states and continents. Operating such tokens makes it possible to increase the user trust in the system providing the simplest and the most understandable mechanism for converting fiat currencies into electronic ones. The issue of tokens occurs only on condition of the fiat money being brought into the system, which is intended to ensure the stability of the exchange rate.
Based on the preferences of our customers, Bank4You develops convenient financial instruments for performing money transactions. The company works towards implementing a new generation of financial services in the everyday lives of people.



The Bank4YOU Group’s own, unique card solutions are packed with a range of state of the art mobile banking services. In addition, easy-to-use mobile Bank4You app at no charge, created by a team of highly-skilled and vastly experienced fin-tech specialists can be downloaded at App Store and Play Market. Information about prducts is presented on the project`s site section called "Bank4YOU`s original products".


We have entered into the agreements with numerous mobile operators, including: Azerfon, Bakcell, Jazz Cash(VEON), Tranglo. And at the signing stage: TransferTo, Sochitel.

You may check this video about company and its products:
http://finovate.com/videos/finovateasia-2017-bank4you/

Thanks for the answer but I'd like to know the total allocation in percentage if you have it...

What do you mean saying "With implementation of private blockchain..." R U going to design your own platform or what?

Please, shed some light on bonuses part of the ICO. How big are they, in fact?

You are welcome, and here are details:
65% - towards development of digital infrastructure of mobile network operator’s consortium, which will provide functioning of the MMRS system
8% - for IT development
9% - For the Development of a Loan Product Distribution Suite
15% - Marketing and Promotion

15% off is not working from today, right?

The arrangement of a private Blockchain system may even still further (in comparison with a public Blockchain one) lower the remittance fees within the network 24 It is proposed to organize a private Blockchain system as follows: the virtual Bank4YOU Group’s divisions (private nodes) will serve as nodes for transaction verification within the consortium of Organizations participating in the system of international payment transfers. They will provide fast and cheap validation of transactions made by other network members. It is assumed that as the popularity of the system grows, mobile operators will have an economic incentive for placing the peer-to-peer nodes of the system in their data centers. This can significantly reduce the transaction costs associated with money circulation.
In order for participating peers to be convinced of the unfalsifiable nature of the data inside the private Blockchain system, it is proposed to record reference points into the public Blockchain systems (Bitcoin, Ethereum). Any member of the system will therefore be able to verify at any time the data stored in the system. A private Blockchain system makes it possible to renounce the deployment of an expensive IT infrastructure for financial transfers while ensuring the necessary level of trust between the consortium entities

What are your guarantees for investors?

There is still a little bit more than six hours before the first round (and its bonus) closure. You may follow real-time clock for the ICO's first round on the main page here:
https://bank4you.io/ (https://bank4you.io/)



Talking about bonuses. Here they are:
Pre Sale
7 days, 6.11 - 12.11, 20%
1 Round
14 days, 13.11 - 26.11, 15%
2 Round
21 days, 27.11 - 17.12, 10%
3 Round
45 days, 18.12 - 31.01.2018, no bonus.

Company's history and financial ties as well as being license holder are part of guaranty. But as for the most common concerns:
The project will be fulfilled regardless of the amount collected. Tokens will be distributed according to the amount collected. Shareholder will continue the project on his own funds, regardless of the ico results.

What are main features of mobile app you have developed already?

The Bank4You mobile app is available on both the Apple App Store and Google Play. For those looking to enjoy the benefits of personal finance management (PFM), Bank4You mobile app offers:
•   PFM and payment scheduling
•   Transaction grouping by category
•   Payment tracking
•   Convenient and secure payments 24-7
•   Independency from banks
•   Peer-to-peer (P2P) money transfers
•   Near field communication (NFC) payments
•   Quick response (QR) code payments
•   Mobile money remittances
•   Online purchases
•   Micro loans

And what is estimated ICO price, please? getting confused a bit

Do you have license to provide microloans?

ICO Price: Estimed ~BTC0.00004/BFY
The first phase of the ICO begins on November 6, 2017, at 12 p.m. London Time (UTC+0) and will last until January 31, 2018, 10 p.m. or until the hard cap of $50 million has been reached. ICO rounds are scheduled as shown below, with existing token holders receiving significant discounts.



Bank4YOU Group Established in 2013 and headquartered in London, UK, Bank4YOU in 2016 has transformed into Bank4YOU Group, an international consortium of fin-tech service companies operating successfully within the electronic mobile payment services arena. FCA License No715451, issued by Financial Services Authority, UK grants the right to provide credits.

But the blockchain idea is about publicity not privacy, isn't it?

Do you have Github link?

My question is about whether this product is highly needed for the global market?

Have you been reviewed by some profound authorities in the crypto world?

And whaat answer are you expecting to hear, huh?)

Sure, we do:
https://github.com/Bank4YOUGroup/BFYContracts (https://github.com/Bank4YOUGroup/BFYContracts)

The truth, of course, supported by some facts ;) Maybe they conducted some market research etc...

We believe so, indeed.
One of the biggest concerns for most people travelling to another country for extended periods is how to obtain access to banking services without the need to be a resident of that country. Bank4You Group makes it really easy for visitors to make in-country as well as crossborder payments, without the need for proof of residency or a local bank account. Its secure money transfer is based on use of state-of-the-art mobile app.
Bank4You customers no longer need to depend on bureaucratic procedures associated with traditional banking. Its service has been created to ensure time-efficiency, convenience and secure transactions. Bank4You already works with a number of blue-chip organizations, delivering state-of-theart prepaid card programs that target different user groups. Its customers are able to choose their ideal product from a wide range of pre-paid card options including Bank4You Group’s Corporate card and Premium card, along with mobile banking services.

For evaluation of demand on this service, our group specialists held an opinion survey in UK and France. Ten thousand respondents (mostly migrants from Asia and Africa) were surveyed with 78.8 per cent showing strong interest in service. They agreed that they are ready to take a loan for purchasing the latest smartphone model under their personal guarantee for friends and family. They confirmed that they were ready
to pay from five to 10 euros per month for the smartphone (e.g. Great Wall Smart 12 model with retail price of 40 euros was offered, with proposed credit set for a period of 12 months).

How would it be possible to integrate BFY token into the existing system?

The unique biometric identifier was mentioned. What actually is it?

The unique biometric identifier consists of a person’s scanned eye retina and scanned fingerprints. These indicators allow for quick and reliable identification of each person in the world. This feature does not require provision of any passport data as it is subject to just minor mistakes. The only problem lies in the compatibility with the existing standards of know your customer procedure. The professional team of specialists hired by Bank4YOU Group has provided the statistical analysis of the predicted performance revenues of above-mentioned operations. Data with planned profitability over the next three year is given in table in our whitepaper, p.25
https://bank4you.io/docs/Bank4YOU_MMRS_WP_EN.pdf (https://bank4you.io/docs/Bank4YOU_MMRS_WP_EN.pdf)

It is planned to provide as many points of contact with existing payment and monetary systems as possible facilitated by a verified network of affiliated and economically motivated agents.

The cards you are offering currently do look attractive. Can I apply to have them now?

How can you ensure to suggest lower fees compare to other services?

Will yuo guarantee I am receiving tokens I paid for?

Yes, of course you can do that. Chose the most suitable card and follow instructions, once procedure is completed, the card will be sent to you via postal service.

Thanks to the technological advantages of the blockchain technology, a lower remittance price is ensured than with the alternative services. The remittance fees in the Ethereum network, for example, are regulated in a special way so that they are always low regardless of the price of the Ethereum. This makes it possible to oer lower fees, even when compared to the mobile money technology (for example, M-PESA charges a fiat fee of $0.40 for P2P remittances and a withdrawal fee of $0.33 for withdrawals under $33), especially if there is no need for an instant execution of the transaction. In the event of increasing the transaction confirmation time to five minutes, the fee is significantly reduced. As can be
seen, the remittance price in a public Blockchain Ethereum is much lower than that of any of the systems under consideration.

BFY coins are sent automatically through Etherium smart-contract.

Will proposed system have more advantages than others?

The proposed system will have all the advantages of the existing systems i.e. solving problems they deal with, as well as offering users an additional convenience or an economic advantage.

Challenge 1
According to the McKinsey Global Institute report 19, for the free functioning of the  remittance system both within and outside a country, there is a strong need for the absence of restrictions on part of the financial regulator of that particular country (the central bank), along with the availability of open markets.

Solution
The technological advantage of the Blockchain network solutions lies in the fact that they do not require a representation in a country, or the availability of a legal framework for their presence in order to function as a means of payment in that country. Restrictions in the form of a ban will create a black market for other electronic payment means, which is likely to complicate their use, but will not stop it completely. Technologically, a blockchain solution can only be banned by completely banning network communications at the transport level. Such advantages of that technology provide a huge potential for creating open markets without borders.

Challenge 2
The McKinsey report states that for banking services to function properly, a large amount of digital infrastructure and user identification tools are needed.

Solution
Similar to mobile money systems, usage of the existing hardware base is proposed. Smartphones with a fingerprint scanner and a camera provide both Internet access for carrying out transactions of various types and possibility for user’s biometric identification. In fact, this paradigm shift addresses the problem of user access to traditional banking services not by building new offices in inaccessible/sparsely-populated areas but by bringing banking services to the user’s mobile phones.

Challenge 3
The McKinsey report further points out that users have to choose a solution that exists in the market but would be more expensive and will not be cross-border. To respond to these challenges, users need to be provided with:
1. Lower money remittance fees than what compatible services oer.
2. As low volatility as possible of the means of payment.
3. Simplicity of conversion into other means of payment and B2C interaction, which implies:
- Wide network of existing agents capable of cashing out a payment tool or, conversely, accepting cash in exchange for electronic money (more convenient to handle and/or to transport) Bank4YOU Group plans to develop the business in the countries with already formed market of mobile money, hence the expenses connected with creation of dealer and agency networks won’t incur.
- Possibility of automatically converting one payment tool into another means of payment – mobile money and fiat electronic money.
- Possibility of buying/selling goods and services using a means of payment
- Micro-crediting system

Since that problem is the most complicated and comprehensive of all mentioned, the following section is devoted to its solution mechanisms, which also describes the design of the proposed system.

Which card is suitable for common use?

Thank you for such detailed reply. Much appreciated.

Apart from bonuses do you have any referral programme?

When ICO ends?

They are both are suitable and amazing, however, Premium card has a little bit more to offer.

Bank4YOU Card
The card has been designed for individuals, who don’t want or don’t have a possibility to obtain a foreign bank account. The card can be used to withdraw funds globally. Ideal option for frequent travellers and students.

Bank4YOU Card Premium
Perfect card for exceptional customer experience. Best set of features capable to satisfy most demanding clients along with premium VAT
refunding option.

The referral program works by means of distribution of a referral code and provides fixed remuneration at a rate of 40 BFY. The main condition should be followed such as there should be BFY tokens purchased during the ICO campaign on the user's account. The one who sent and the one who activated the referral BFY code will receive bonus at a rate of 20 BFY each and referral tokens will be granted after the end of ICO only to those who made an investment and will be sent to the user's Bank4YOU wallet.

And what will be after ICO ends?

Do you have an escrow?

The last day of the ICO Round 3 will fall on 31st January 2018.

After ICO ends we will continue following the developed roadmap:
- 2018 Q1: Creation of Bank4You mobile network operator consortium to provide digital infrastructure for MMRS project.
- 2018 Q3: MMRS project beta version launch. 
- 2018 Q4: MMRS final version release.

Similar to mobile money systems, usage of the existing hardware base is proposed. Smartphones with a fingerprint scanner and a camera provide both Internet access for carrying out transactions of various types and possibility for user’s biometric identification. In fact, this paradigm shift addresses the problem of user access to traditional banking services not by building new ffices in inaccessible/sparsely-populated areas

There is a plan to create a Blockchain that would store the crypto currency loan credit history of those who voluntarily provide this information. Bank4YOU Group’s affiliated agents/ partnering organizations will be able to make records on Blockchain. In other words, an initiation of the smart contract in which the next information will be specified.
- Amount of loan
- Address of creditor
- Credit interest rates
- Series of loan charges
- Unique biometric indicator of borrower
The smart contract checks whether payments are made fully and in time to the creditor. If payments are made according to stipulated conditions, the borrower's credit score is automatically raised or in the opposite case it is reduced. In case the borrower attempts to apply for new credit, they would be refused. Provided biometric data allows to unambiguously identify the person’s credit history, the reverse procedure is impossible. Credit history cannot be associated with a person due to the realization of unique biometric identifier.

What will you do if ICO fail?

Who is the product targeted? To all people?

What are your guarantees for investors?

This question has been asked just recently. Why don't you just read few lines above?

That's not problem at all. Here is the answer:
The project will be fulfilled regardless of the amount collected. Tokens will be distributed according to the amount collected. Shareholder will continue the project on his own funds, regardless of the ico results.

Yes, anyone can use the product, but for sure travellers and those going abroad would benefit the most.

What is the main benefit for travelers?

Well, it is quite obvious - you don't have to look for money changers and agree to their high exchange rates. You don't have to bring a lot of cash either.

What are the advantages for investors participating in pre-ICO and ICO?

Investors participating in pre-ICO and ICO are getting bonuses:

Pre Sale
7 days
6.11 - 12.11
20%

1 Round
14 days
13.11 - 26.11
15%

2 Round
21 days
27.11 - 17.12
10%


Therefore, BFY token grants the right to receive:
1. Part of income gained from Bank4YOU Group bank activities.
2. Discounts for purchasing MMR token.
3. Part of total system turnover of international money transfers.

Also, In case if you decide to purchase a package of 5000 BFY or 15000 BFY, you'll get special B4U cards as a present.

How long have you been involved in blockchain?

Established in 2013 and headquartered in London, UK, Bank4YOU in 2016 has transformed into Bank4YOU Group, an international consortium of fin-tech service companies operating successfully within the electronic mobile payment services arena.

Is your app already tested and can I try it too?

In what countries I can use your app ?

Yes, we have a working version of the application.

You can download the application at this link:
https://itunes.apple.com/ua/app/bank4you/id1069036395?l=ru&mt=8
https://play.google.com/store/apps/details?id=uk.bank4you.client

TaxFree4U app provides the service in the following countries:
France
Germany
Italy
Spain
United Kingdom
Finland

You can download the application at this link:
https://itunes.apple.com/ua/app/bank4you/id1069036395?l=ru&mt=8
https://play.google.com/store/apps/details?id=uk.bank4you.client

First round starting in 20 minutes? Or it ended in 20 min?

It`s ending. The second round starts today.

What options does the Premium Card4you provide?

Bank4YOU Card Premium is a perfect card for exceptional customer experience. Best set of features capable to satisfy most demanding clients along with premium VAT refunding option.

In what soc media do you published?

here are the links

Website: http://bank4you.lu/
YouTube: https://youtu.be/XiDXK51wq5E
Telegram: https://t.me/Bank4YOUGroup
Facebook:   https://www.facebook.com/Bank4YOUGroup
Twitter:   https://twitter.com/Bank4YOUGroup

What is the difference between your project and other money mobile remittance companies?

We already own unique card solutions packed with a range of state of the art mobile banking services. In addition, easy-to-use free of charge mobile Bank4You app, created by a team of experienced fin-tech specialists.

Can i take money from the Card4YOU - from the ATM?

Are micro loans available in your application  ?

Yes, withdrawal of funds in local currency is availiable.

Yes, you need documents to confirm your identity.

The 2nd round of ICO is already started?

What does the fact that HQ is in UK and company is under UK laws mean for agent and users?

Yes, started today!!

Bank4you Group’s team is international; our team of representatives and advisers are all over the globe. Established in 2013 and headquartered in London, UK, in 2016 Bank4YOU transformed into Bank4YOU
Group, an international consortium of  n-tech service companies operating within the electronic mobile payment services arena. FCA License No715451, issued by the UK's Financial Conduct Authority authorizes
Bank4YOU to provide credit. Bank4YOU customers no longer need to depend on bureaucratic procedures associated with traditional banking. Its service has been created to ensure time-e ciency, convenience and secure transactions. Bank4You already works with a number of blue-chip organizations, delivering state-of-the-art prepaid card programs that target di erent user groups. Its customers are able to choose their ideal product from a wide range of pre-paid card options including Bank4You Group’s Corporate card and Premium card, along with mobile banking services.

Do you have any bounty program?

If I will buy an card4YOU from you, then how do I get it?

What is Mobile Money Remittance System?

We do not have bounty program, but you can join our referral program by registering in the Investor's Cabinet. In case if you decide to purchase a package of 5000 BFY or 15000 BFY, you'll get special B4U cards as a present.

It will be sent to you via Post.

Mobile money transfer or remittance is ‘a peer-to-peer (P2P) application making use of a mobile device to send money to family or friends, primarily across international borders. Usually, mobile money is a term used to describe services that allow electronic money transactions over a mobile device. It is also referred to as mobile financial services, mobile wallets, and mobile payments. For the purpose of this white paper, we shall consider mobile money to be a system of electronic payments that allows cross-border money transfers to any country. It also includes the withdrawal of funds in local currency (cash out) via the mobile money service or mobile airtime.

If I will have any problem with using app, do you have some sort of support?

Is your team international or located in one country?       

What is Mobile Money Remittance System`s project goals?

Bank4YOU Group is an international consortium of fin-tech service companies operating successfully within the electronic mobile payment services arena.

Bank4YOU Group’s ‘Mobile Money Remittance System’ will set a new trend in international money transfers and will contribute to the creation of fast, convenient, and secure money transfers worldwide.
The mobile app will also enable financial inclusion for people who are in desperate need of easy access to financial services in countries across Africa, Asia, and Latin America. It would also lead to new opportunities for businesses, financial institutions, and mobile network operators to use crypto currencies.

Yes, there will be tech support.

How long have you been involved in blockchain?

Hmm there is already man bank projects i don't get what is new in this one? Can someone please explain me what difference?

We already own unique card solutions packed with a range of state of the art mobile banking services. In addition, easy-to-use free of charge mobile Bank4You app, created by a team of experienced fin-tech specialists.

Established in 2013 and headquartered in London, UK, Bank4YOU in 2016 has transformed into Bank4YOU Group, an international consortium of fin-tech service companies operating successfully within the electronic mobile payment services arena.

How much will 1 BFY cost?

Thank you! What is the main purpose of your project?

So the app is available already and working? Can you give us an app store link?

I can invite friend in your app and receive something?

What is the main competitive advantage of BANK4YOu app?

$0,21 The exchange rate in case of payment in BTC, ETH is fixed at the market level (in US dollars for unit of crypto currency) on the date of receipt of the payment.

Bank4YOU Group’s ‘Mobile Money Remittance System’ will set a new trend in international money transfers and will contribute to the creation of fast, convenient, and secure money transfers worldwide.
The mobile app will also enable financial  inclusion for people who are in desperate need of easy access to financial services in countries across Africa, Asia, and Latin America. It would also lead to new opportunities for businesses, financial institutions, and mobile network operators to use crypto currencies.

Yes, we have a working version of the application.

You can download the application at this link:
https://itunes.apple.com/ua/app/bank4you/id1069036395?l=ru&mt=8
https://play.google.com/store/apps/details?id=uk.bank4you.client

You can join our referral program by registering in the Investor's Cabinet.
The referral program works by means of distribution of a referral code and provides fixed remuneration at arate of 40 BFY. The main condition should be followed such as there should be BFY tokens purchased during the ICO campaign on the user's account. The one who sent and the one who activated the referral BFY code will receive bonus at a rate of 20 BFY each and referral tokens will be granted after the end of ICO only to those who made an investment and will be sent to the user's Bank4YOU wallet.

The mobile app will enable financial inclusion for people who are in desperate need of easy access to financial services in countries across Africa, Asia, and Latin America. It would also lead to new opportunities for businesses, financial institutions, and mobile network operators to use crypto currencies.

Thank you! In what countries I can use app for this moment?

Is the program available for Windows Phone?