Bankera is building a digital bank for the blockchain era, with the aim of integrating traditional and cryptocurrency related banking and becoming the one-stop-shop for all financial services. Bankera will offer three core lines of service:

Payments: Payment accounts with personal IBAN, debit cards, interbank foreign exchange rates, and payment processing. All services will support both fiat and crypto currencies. In the long term, Bankera will implement innovative solutions such as GDP-linked currencies or use equity traded funds as a substitute for money.
Loans and deposits: Not only savings, but also current deposits will receive interest. All Bankera clients will be able to benefit from higher interest rates due to proprietary information about borrowers’ cash flows, as most loans will be given to business clients who use the payment processing solution.
Investments: Low-cost investment products such as equity traded funds (ETFs), crypto-funds (a portfolio of various cryptocurrencies and crypto-tokens), and robo-advisory solutions for wealth management. Later on, Bankera will offer investment banking services including financing corporate strategies of business clients.
Bankera is an operational fork of SpectroCoin, a web-based bitcoin wallet and exchange provider, which serves as Bankera’s MVP (with features such as Bitcoin debit cards and payment processing), and will also be hosting its pre-ICO. SpectroCoin will continue to provide a solution for cryptocurrencies, while Bankera will provide the banking services listed above.
Bankera plans to have significant infrastructure in place prior to the initial coin offering (ICO). The company claims to already have the necessary regulatory and IT arrangements to offer individual international bank account numbers (IBAN) which can handle payments in the Single Euro Payments Area (SEPA), and says it will apply for additional banking licenses in key jurisdictions so as to be able to handle a wide variety of fiat currencies and facilitate cross-border transactions. Although Bankera will not have physical branches, it will issue payment cards that can be used at ATM’s and also plans on partnering with retail providers of cash deposit and withdrawal services, and on developing such a network of retail agents in developing areas. Bankera’s wallets will initially cover 22 fiat currencies, including major currencies such as USD, EUR and GBP, and in addition will also support cryptocurrencies such as Bitcoin, Ethereum, DASH, NEM and others.

Furthermore, in order to facilitate the acceptance of cash payments via Bankera’s gateway, Bankera will also provide businesses with extensions of its proprietary know-your-client (KYC) and fraud screening technologies, and offer incoming payments financing (as an alternative to invoice financing) or short-term finance products to bridge businesses’ cash flow gaps.

To obtain the capital necessary for implementing its vision, Bankera is launching an ICO and issuing ERC20 tokens called Bankers (BNK). Bankers token holders will be entitled to receive pro-rata shares of 20% of Bankera’s net transaction revenues in ETH on a weekly basis.

Most of the capital raised in the ICO will go towards satisfying capital adequacy requirement ratios and obtaining banking licenses in new jurisdictions. Currently, Bankera has a payment institution’s (PI) license and is authorised to operate in European Economic Area (EEA) regions. Bankera expects to obtain an electronic money institution (EMI) license before the ICO, which will enable all services except deposits and investments. After the ICO, the company’s key objective will be to obtain a banking license in the EU. Bankera will also work on obtaining membership in key financial networks such as card schemes and remittance channels, as well as additional banking licenses in key jurisdictions.
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Rakugo (a name borrowed from the Japanese art of storytelling) is building a decentralized publishing and assetization platform that rewards content creators with revenue and exposure for their work, and enables them to manage their content as a secure digital asset. Rakugo provides creators with an Ethereum-blockchain-based platform for copyright management, publishing, and monetization.

Rakugo will enable content creators to monetize their work and track their content’s performance, empowering them to build their own personal brand. Monetization channels include: advertising channels; donations and tips using Bitcoin, Ether, or Rakugo tokens (with no fees); paid per-piece or monthly subscriptions for access to exclusive content (may also be available in local currency); and selling / auctioning shares of their creative assets on the platform’s Digital Asset Marketplace. Rakugo’s platform will additionally enable creators to crowdfund their creative projects by selling their assets or issuing tokens to funders via a Creative Public Offering (CPO).

Rakugo provides assetization via its ‘Kenzo’ engine, which creates a digital fingerprint of the content, which is then stored on the blockchain as an immutable and publicly readable record of copyright. The Rakugo publishing platform then rewards contributors with exposure and roydalties for high value, trusted content. Rakugo also utilizes a relevancy engine called ‘Shogun’, which uses machine learning on public data streams to quantify the global relevance of content published on the network, so as to maximize exposure and royalty generation. All of this technology is to be made available not only to tech-savvy users, but also to the less technically inclined, via an easy to use dashboard and a simple publishing flow.

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Rakugo’s ‘Kenzo’ assetization engine issues custom smart contracts for managing the ownership and distribution of digital content, whereupon the copyright information is inscribed on an ERC20 token called Namespace, which then functions as proof of ownership notarized on the blockchain. With Kenzo, creators can set the terms and conditions under which the asset can be copied or exchanged, as well as limit the number of copies that can be made altogether. It is not clear how the Namespace tokens are transferred or split among contributors with a traceable history of ownership. It is also worth noting that, while the company’s whitepaper does not currently address tracking the use of assets (so as to alert owners to possible infringement), the founders say that they will implement detection and enforcement features, which will actively track the public web for unauthorized copies on behalf of creators and automatically take appropriate actions.

Revenue is generated when the content is published through Rakugo, and royalties are disbursed via a smart contract, where the Namespace token is used to attribute the correct allocation of royalties to its holder. Distribution occurs via a handshake where the Namespace token is sent to a smart contract and revenue along with the token is sent back to the token holder.

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