Interested in your ICO but when I click on
https://change-bank.com/ico/ I see the following
"Change does not onboard investors from the United States, Estonia, or Singapore."
![](https://ip.bitcointalk.org/?u=https%3A%2F%2Fi.imgur.com%2FIyR6McU.png&t=663&c=xFnX8aveCRKWvw)
How are you a decentralised bank for e-residents but you do not onboard investors from Estonia or Singapore??
We have been advised by our legal team to do this. Thanks for your understanding.
Meaning that this ICO does not meet the Securities and Futures Act (Cap. 289) (SFA) of Singapore and this token
constitute a product like a security? But your office is based in Singapore and your lawyers advised you to just "avoid
onboarding Singaporeans" to go around this regulation?
![Huh](https://bitcointalk.org/Smileys/default/huh.gif)
Do take note that conducting this ICO on Singapore soil means that you are operating under Singapore's laws.. you are treading on
dangerous grounds. I do not mean to give any negative comments but just want to advise caution as any negative news in the
crypto space is bad for everyone in general..