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Author Topic: [ANN][ICO] LakeBanker | Free Banking for the World  (Read 14212 times)
LakeBTC (OP)
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LakeBTC.com


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July 18, 2017, 09:02:33 AM
Last edit: October 12, 2017, 06:58:15 AM by LakeBTC
 #1










Mission

Despite advances in technology the traditional banking sector remains inefficient, expensive and for many impossible to access. Our mission is to make core banking services free, for everyone, forever, and to deliver a full suite of financial services, including access to cryptocurrencies, at a much lower cost.



Concept: Crowd-Banking

The LakeBanker system will coordinate a massive network of individuals, merchants and other institutions who will provide banking services to users. The nodes in our network are called "LakeBankers". A LakeBanker provides services that would ordinarily be undertaken by the high street branch of a traditional bank; for example, they can facilitate deposits/withdrawals from the system and conduct KYC ("Know Your Customer") verifications on other users as part of risk management. Any user can become a LakeBanker; indeed the system encourages users to both consume and supply banking services. The network is accessed through a mobile app from which users can initiate requests for services. The app transmits requests to LakeBankers who are free to accept. A key technological component is our artificial intelligence agent, Sage: Its primary functions are (1) to find optimised matches by estimating the time and cost of a specific service and adjusting fees and incentives dynamically based on real-time supply and demand conditions, and (2) to conduct ongoing risk management based on the live and historical financial data it collects from the app.

Our technological solution effectively replaces traditional banking infrastructure with a peer-to-peer market. We call this concept Crowd-Banking. Our Crowd-Banking model has four important implications in terms of executing our mission.

  • Exceptional Risk Management: Banking is all about risk. Through our crowd of users we can do more due diligence than any regular bank could do. And, since LakeBankers will tend to be local and know their communities well, we can do it better.
  • Massively Reduced Overheads: We don’t need high street branches, large corporate offices or many thousands of salaried employees. Instead, we leverage the potential of existing personnel and infrastructure outside our core organisation
  • Exponential Growth: When we enter a country, one LakeBanker can service say ten users. The system incentivises them to become LakeBankers themselves and service a further hundred users who can then service a further thousand and so on. Our Crowd-Banking model has exponential growth built into it.
  • Reach into Underbanked Populations: Networks of LakeBankers can be created wherever people have access to smartphones. Smartphone saturation is high in the developed world and growing at a phenomenal rate in emerging markets.

In the LakeBanker system, money will flow with little friction, from one individual to another, from one currency to another and from one country to another. Technology has overhauled many industries. We do that now for banking. This is how we bring free banking to the world.



Who we are




We are the team behind cryptocurrency exchange LakeBTC.com. LakeBTC started in 2013. It has 10 million user accounts created from 162 countries. We support 42 currencies and 52 payment methods with hundreds more to come. LakeBTC is probably the only major platform without stolen coins, security scandals or flash crashes. As one of the most valuable brand names in the industry, LakeBTC has been proven to be robust, reliable, and trustworthy. Our CEO is Thomas Xie, co-founder of LakeBTC, cryptocurrency veteran and serial entrepreneur.



Beta Version




Initial versions of the LakeBanker system have been developed and tested. Dozens of currencies and payment methods are supported, and more are coming soon. The demand has been very strong even with no public announcement or media reports. The mobile version of LakeBTC.com functions well and will serve as a base for designing the LakeBanker mobile app Our cashflow is healthy, and there are a number of private equities and financial firms who are interested in investing in traditional ways. Nonetheless, we plan to spin-off the LakeBanker project and launch a Token Sale under an independent entity, LakeBanker Foundation. A new token called banc (BAC) will be issued to participants who contribute BTC, ETH or LTC.



The Token BAC

A new token called banc (BAC) will drive transactions within the LakeBanker system, where all fees and interest will be denominated by BAC. BAC is based on the Ethereum blockchain and is ERC20-compliant. The total number of BAC will be 500,000,000 (500 million), of which 250,000,000 will be offered in the Token Sale, 125,000,000 will be reserved for our User Growth Fund, and the remaining 125,000,000 will be distributed to the team. There is a 5-year vesting schedule for the team tokens, where only 20% is available for trading each year. Our token is well-integrated into our business model and has significant, long-term utility in driving transactions in our system. BAC will be tradable on LakeBTC.com soon after the close of our Token Sale. We offer participants near immediate liquidity for our token.




Our Token Sale is divided into two phases. In Phase 1 we offer a small number of BAC tokens at a significant discount. In return, we hope to get feedback from the community and encourage collaboration with early investors. The remaining tokens are offered in Phase 2. Full details of our Token Sale including information on how to participate are available on our website. Participants can purchase BAC tokens by contributing either ETH, BTC or LTC.


Phase 1

Phase 1 is open now. Contributions made before September 29, 2017, 3pm UTC will get the 1st hour price of 1 ETH = 1300 BAC. This is the best price anyone will ever get. Demand appears to be strong----if we are over sold before that time BAC tokens will be allocated to ALL PARTICIPANTS on a pro rata basis. We do this in the interests of fairness. After September 29, 2017, 3pm UTC tokens will be distributed on a first come first served basis.


Phase 2

Phase 2. will be held in mid/late October. BAC tokens will be tradable on LakeBTC.com soon after the close of Phase 2. We offer participants near immediate liquidity for BAC tokens






A full list of articles about is is available here



Join us on Social Media


                 



Blog Posts

In addition to our formal Whitepaper we are writing a series of blog posts to help the community further understand our project, to address any concerns they may have and to make useful comparisons between LakeBanker and other projects:





We offer a bounty program for Bitcointalk signatures, constructive support here and on Social Media. Full details in their own thread










LakeBanker: Free Banking for the World     LakeBanker.com   Token Sale. Participate Now!
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July 18, 2017, 09:03:46 AM
 #2

reserve indonesian translation if needed

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foodstamps
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July 18, 2017, 09:04:22 AM
 #3

It is good to see there are a proven network behind this. I wish the best
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July 18, 2017, 09:07:02 AM
 #4

can you give me mopre info about your project? i mean whitepaper, why you dont have whitepaper
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July 18, 2017, 09:11:33 AM
Last edit: July 21, 2017, 10:03:40 AM by polat90
 #5

It would be a great pleasure for me to work with you on this project. So I reserved the Turkish translation for my own name.


https://bitcointalk.org/index.php?topic=2038353.0



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July 18, 2017, 09:11:52 AM
 #6


I do not understand what is the use of the project since we are discussing the same project here?
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July 18, 2017, 09:14:10 AM
 #7

whats the reward?? as u said the transactions will be free forever.
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July 18, 2017, 09:27:06 AM
 #8

can you give me mopre info about your project? i mean whitepaper, why you dont have whitepaper
Many thanks for your interest in our project. More details are on our site.

We will be releasing the white paper shortly.
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July 18, 2017, 09:53:21 AM
 #9

whats the reward?? as u said the transactions will be free forever.

Our model is similar to many of the world's most successful technology companies. Think about emails, search engines and social media sites. They are free for the average user. As a result, they gather billions of users and make profits on value-added services.

We offer basic banking services for free. For example, user to user or user to merchant payments will be free. This will attract many users. We get big data and generate revenue from value-added financial services.

Our business model will be fully explained in our forthcoming white paper.
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July 18, 2017, 09:59:31 AM
 #10

How in terms of security will you put the hardest system to hack?
And how many standard terms of speed in transacting?

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July 18, 2017, 10:00:45 AM
 #11

whats the reward?? as u said the transactions will be free forever.

Our model is similar to many of the world's most successful technology companies. Think about emails, search engines and social media sites. They are free for the average user. As a result, they gather billions of users and make profits on value-added services.

We offer basic banking services for free. For example, user to user or user to merchant payments will be free. This will attract many users. We get big data and generate revenue from value-added financial services.

Our business model will be fully explained in our forthcoming white paper.
OK waiting for that
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July 18, 2017, 10:18:07 AM
 #12

Hello,

Very interesting project fund.
If by chance you need it, I would be very interested in contribute to your project with, a professional quality, Portuguese translation for the BtcTalk official thread and also other elements, as the White Paper, Website, articles and interviews.
Let me know if you are interested.

previous jobs:
-- https://bitcointalk.org/index.php?topic=1786648.0
-- https://bitcointalk.org/index.php?topic=1767517.0
-- https://bitcointalk.org/index.php?topic=1792597.0
-- https://bitcointalk.org/index.php?topic=1794030.0
-- https://bitcointalk.org/index.php?topic=1751650.0
-- https://bitcointalk.org/index.php?topic=1728455.0
-- https://bitcointalk.org/index.php?topic=1766556.0
--------------- and more----------------

Good luck and best regards,
Raxitto
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July 18, 2017, 10:58:19 AM
 #13

How in terms of security will you put the hardest system to hack?
And how many standard terms of speed in transacting?

Set up in 2013, LakeBTC.com has an unrivalled reputation in terms of security.  To achieve that, we have rigid processes for internal controls, audits, information barriers and others.  We leverage our experience from banking and financial services and endeavor to provide the same level of security to safeguard customers' money.
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July 18, 2017, 11:18:17 AM
Last edit: July 18, 2017, 01:34:18 PM by LakeBanker
 #14


I do not understand what is the use of the project since we are discussing the same project here?


Do you have a specific question about this project? Thanks.
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July 18, 2017, 02:52:58 PM
 #15

interesting.

but how to free ??  what the difference between you and okoay, perfect money etc. they are also free to transfer with a high withdraw fees. the other hand, PayPal is not free to transfer and has a relatively cheaper fee to withdraw.

so if I understand correctly, this project is completely free? or another type?
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July 18, 2017, 02:55:10 PM
 #16

Will keep track, currently not much info given yet in the opening post.
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July 18, 2017, 03:05:45 PM
 #17

Quote
We issue a small number of tokens at a discount

so what is the 'small number'?
can you just post it here ?
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July 18, 2017, 03:25:47 PM
 #18

Reserved Russian translation if required

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July 18, 2017, 03:38:35 PM
 #19

interesting.

but how to free ??  what the difference between you and okoay, perfect money etc. they are also free to transfer with a high withdraw fees. the other hand, PayPal is not free to transfer and has a relatively cheaper fee to withdraw.

so if I understand correctly, this project is completely free? or another type?

Internal payments will be free (user to user, user to merchant etc.), even international payments.

Deposits and withdrawals is where our crowd-banking model comes in: You send out a deposit request on the app, it gets accepted by a nearby LakeBanker (our AI engine finds optimized matches). You pay they LakeBanker and they credit your account on the system. The LakeBanker earns a fee (in our token BAC) for this service. LakeBanker fees can be subsidized initially by our user growth fund and eventually by our returns from value-added financial services (credit lines, p2p lending, and so on). Certain quotas and conditions may apply.

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July 18, 2017, 03:53:30 PM
 #20

Quote
We issue a small number of tokens at a discount

so what is the 'small number'?
can you just post it here ?


Sure. 2% of the Tokens are on sale in Phase 1.

More details on our site. We will be updating this page continually as things get finalized.
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July 18, 2017, 03:59:46 PM
 #21

i think this project is interesting
bookmark for waiting more information
goodluck dev

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July 18, 2017, 04:11:18 PM
 #22

Very interesting and looking forward for it.
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July 18, 2017, 11:13:31 PM
 #23

interesting.

but how to free ??  what the difference between you and okoay, perfect money etc. they are also free to transfer with a high withdraw fees. the other hand, PayPal is not free to transfer and has a relatively cheaper fee to withdraw.

so if I understand correctly, this project is completely free? or another type?

Internal payments will be free (user to user, user to merchant etc.), even international payments.

Deposits and withdrawals is where our crowd-banking model comes in: You send out a deposit request on the app, it gets accepted by a nearby LakeBanker (our AI engine finds optimized matches). You pay they LakeBanker and they credit your account on the system. The LakeBanker earns a fee (in our token BAC) for this service. LakeBanker fees can be subsidized initially by our user growth fund and eventually by our returns from value-added financial services (credit lines, p2p lending, and so on). Certain quotas and conditions may apply.




OK
looking forward for more details about it
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July 19, 2017, 03:15:07 AM
 #24

sounds interesting, but before join in, I will wait for the more details too.

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.Any Store Can Buy, Sell and Accept Cryptocurrency.██
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[[[ Whitepaper    Twitter     Facebook]]]
[[[  Telegram      Medium     Youtube ]]]
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July 19, 2017, 03:44:16 AM
 #25

Looking forward to the white paper,
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July 19, 2017, 03:49:17 AM
 #26

how to participate in? and what will be the rewards as return??

I think it's the point, there is no one willing to be a philanthropist.
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July 19, 2017, 03:50:39 AM
 #27

whats the reward?? as u said the transactions will be free forever.

I think you have the same feeling with me, if its free, how to make profits on it?
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July 19, 2017, 03:59:26 AM
 #28

I do not understand what is the use of the project since we are discussing the same project here?
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July 19, 2017, 07:33:54 AM
 #29

how to participate in? and what will be the rewards as return??

I think it's the point, there is no one willing to be a philanthropist.

the point is that What will be the benefit after I buying this BAC token?

can't imagine if BAC have no value or practical value. After all, there are too many scams here
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July 19, 2017, 08:46:08 AM
 #30

interesting.

but how to free ??  what the difference between you and okoay, perfect money etc. they are also free to transfer with a high withdraw fees. the other hand, PayPal is not free to transfer and has a relatively cheaper fee to withdraw.

so if I understand correctly, this project is completely free? or another type?

Our model is similar to many of the world's most successful technology companies. Think about emails, search engines and social media sites. They are free for the average user. As a result, they gather billions of users and make profits on value-added services.

We offer basic banking services for free. For example, user to user or user to merchant payments will be free. This will attract many users. As we acquire and analyse more user data we will generate risk-adjusted revenue by offering various types of financial services, for example p2p lending, credit cards, car loans, student loans, micro loans, residential and commercial mortgages, insurance, equities, financial advisory, funds, trusts, asset-backed securities, mortgage-backed securities, crowdfunding, and ICO.

Our business model will be fully explained in our forthcoming white paper
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July 19, 2017, 08:51:09 AM
 #31

Will have to follow the project from near to see how it leaves are still many days to start to see how things go Wink
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July 19, 2017, 08:52:33 AM
 #32

how to participate in? and what will be the rewards as return??

I think it's the point, there is no one willing to be a philanthropist.

the point is that What will be the benefit after I buying this BAC token?

can't imagine if BAC have no value or practical value. After all, there are too many scams here

Maybe BAC just be an another altcoin, buy this token is like buy a coin which yet on market, and if you were lucky, you can earn much when the token on exchange, or you will go bankrupt.

On the plus side, LakeBTC is a bitcoin exchange, we have no need to worry that the BAC can't be trade on the market, perhaps this is the biggest advantage of this project, so far.

at last, this thing is essentially gambling, you win you rich, you lose you dead.
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July 19, 2017, 09:01:31 AM
 #33

Conversion rate for phase 2 is final or need to modify there. Very big difference between phase 1 and 2 because participants of phase 1 get 10x more just investing there. This is very confusing thing can you explain about them?
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July 19, 2017, 09:04:06 AM
 #34

how to participate in? and what will be the rewards as return??

I think it's the point, there is no one willing to be a philanthropist.

the point is that What will be the benefit after I buying this BAC token?

can't imagine if BAC have no value or practical value. After all, there are too many scams here

Maybe BAC just be an another altcoin, buy this token is like buy a coin which yet on market, and if you were lucky, you can earn much when the token on exchange, or you will go bankrupt.

On the plus side, LakeBTC is a bitcoin exchange, we have no need to worry that the BAC can't be trade on the market, perhaps this is the biggest advantage of this project, so far.

at last, this thing is essentially gambling, you win you rich, you lose you dead.

Why do not you treat it as a stock share directly? So that we can look forward to its benefits more, as we buy the initial shares.
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July 19, 2017, 09:27:55 AM
 #35

how to participate in? and what will be the rewards as return??

I think it's the point, there is no one willing to be a philanthropist.

the point is that What will be the benefit after I buying this BAC token?

can't imagine if BAC have no value or practical value. After all, there are too many scams here

Maybe BAC just be an another altcoin, buy this token is like buy a coin which yet on market, and if you were lucky, you can earn much when the token on exchange, or you will go bankrupt.

On the plus side, LakeBTC is a bitcoin exchange, we have no need to worry that the BAC can't be trade on the market, perhaps this is the biggest advantage of this project, so far.

at last, this thing is essentially gambling, you win you rich, you lose you dead.

Why do not you treat it as a stock share directly? So that we can look forward to its benefits more, as we buy the initial shares.

stock shares has a regulatory dept.  but token sales no. so the scam will be more here.

if you are unlucky, and just met the scam, stock shares will give you a bankruptcy subsidy, but you will lose everything here.

said back, even you know LakeBTC is not a scam, but we still not know how the LakeBanker run, and how the BAC use, so let's wait the whitepaper to see whether it should be buy.
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July 19, 2017, 03:02:23 PM
 #36

interesting.

but how to free ??  what the difference between you and okoay, perfect money etc. they are also free to transfer with a high withdraw fees. the other hand, PayPal is not free to transfer and has a relatively cheaper fee to withdraw.

so if I understand correctly, this project is completely free? or another type?

Our model is similar to many of the world's most successful technology companies. Think about emails, search engines and social media sites. They are free for the average user. As a result, they gather billions of users and make profits on value-added services.

We offer basic banking services for free. For example, user to user or user to merchant payments will be free. This will attract many users. As we acquire and analyse more user data we will generate risk-adjusted revenue by offering various types of financial services, for example p2p lending, credit cards, car loans, student loans, micro loans, residential and commercial mortgages, insurance, equities, financial advisory, funds, trusts, asset-backed securities, mortgage-backed securities, crowdfunding, and ICO.

Our business model will be fully explained in our forthcoming white paper

OK, thanks for the explanation, will wait for the white paper  Tongue
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July 19, 2017, 03:47:52 PM
 #37

interesting.

but how to free ??  what the difference between you and okoay, perfect money etc. they are also free to transfer with a high withdraw fees. the other hand, PayPal is not free to transfer and has a relatively cheaper fee to withdraw.

so if I understand correctly, this project is completely free? or another type?

yeah the idea is interesting, but where and how to find lakebanker?
even as perfect money, okpay etc which have developed many years, the partners were not too much and wide. and their exchangers are all corporate instead of individual.
so saw your website plans to train 100000 private lakebanker around the world, it's mad and crazy Shocked
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July 20, 2017, 12:22:56 AM
 #38

Similar to ripple,steem?
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July 20, 2017, 12:32:37 AM
 #39

The mode of operation is explained too simply, without understanding, please elaborate
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July 20, 2017, 02:18:30 AM
 #40

how to participate in? and what will be the rewards as return??

I think it's the point, there is no one willing to be a philanthropist.

To participate, please go to https://lakebanker.com/ and click on the "Get Token BAC" link. It will take you to a page with information on how to participate.

Some of the most successful technology companies in the world are free to the average user. Are Google or Facebook just philanthropists?  They are so successful because they offer many great services for free - they attract billions of users and generate revenue from value-added services.

Our token (BAC) will be well-intergrated in our business model and has significant, long-term utility in driving transactions in our system. BAC in the LakeBanker system is comparable to XRP in Ripple (see https://ripple.com/xrp/) and ETH in Ethereum (https://www.ethereum.org/ether). BAC is the fuel or, more precisely, the de facto currency of the system. All fees and interest in the system will be denominated in BAC. BAC will be based on the Ethereum blockchain and is ERC20-compliant.

When the LakeBanker system is mature, BAC will circulate amongst millions and eventually billions of users. The demand will be very strong. The price of BAC is in the future is likely to reflect this.
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July 20, 2017, 02:57:43 AM
Last edit: July 21, 2017, 05:36:36 AM by LakeBanker
 #41

how to participate in? and what will be the rewards as return??

I think it's the point, there is no one willing to be a philanthropist.

the point is that What will be the benefit after I buying this BAC token?

can't imagine if BAC have no value or practical value. After all, there are too many scams here

Maybe BAC just be an another altcoin, buy this token is like buy a coin which yet on market, and if you were lucky, you can earn much when the token on exchange, or you will go bankrupt.

On the plus side, LakeBTC is a bitcoin exchange, we have no need to worry that the BAC can't be trade on the market, perhaps this is the biggest advantage of this project, so far.

at last, this thing is essentially gambling, you win you rich, you lose you dead.

Why do not you treat it as a stock share directly? So that we can look forward to its benefits more, as we buy the initial shares.

BAC trading will be enabled at LakeBTC.com 3 days after the close of Phase 2.
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July 20, 2017, 03:27:39 AM
 #42

how to participate in? and what will be the rewards as return??

I think it's the point, there is no one willing to be a philanthropist.

To participate, please go to https://lakebanker.com/ and click on the "Get Token BAC" link. It will take you to a page with information on how to participate.

Some of the most successful technology companies in the world are free to the average user. Are Google or Facebook just philanthropists?  They are so successful because they offer many great services for free - they attract billions of users and generate revenue from value-added services.

Our token (BAC) will be well-intergrated in our business model and has significant, long-term utility in driving transactions in our system. BAC in the LakeBanker system is comparable to XRP in Ripple (see https://ripple.com/xrp/) and ETH in Ethereum (https://www.ethereum.org/ether). BAC is the fuel or, more precisely, the de facto currency of the system. All fees and interest in the system will be denominated in BAC. BAC will be based on the Ethereum blockchain and is ERC20-compliant.

When the LakeBanker system is mature, BAC will circulate amongst millions and eventually billions of users. The demand will be very strong. The price of BAC is in the future is likely to reflect this.
Thanks for the detailed explanation, will login the website to take a look.
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July 20, 2017, 03:41:22 AM
 #43

hi dev could you reserve for me italian translations thanks!
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July 20, 2017, 03:47:59 AM
 #44

The mode of operation is explained too simply, without understanding, please elaborate
yeah, also think so.
is it just another e-Wallet like OKPay, PerfectMoney etc?
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July 20, 2017, 05:21:53 AM
Last edit: July 21, 2017, 05:38:10 AM by LakeBanker
 #45

The mode of operation is explained too simply, without understanding, please elaborate
yeah, also think so.
is it just another e-Wallet like OKPay, PerfectMoney etc?

A digital wallet allows an individual to make electronic transactions only. That is just a very small part of what we offer.

We are also a financial services company. We expect our free payment network to attract many many users. We acquire big data, which gives us, higher---risk adjusted----returns on the financial services we offer (for example p2p lending, credit cards, car loans, student loans, mortgages, micro loans, insurance and asset-backed securities).

In addition, our crowd banking model significantly reduces our overhead when compared to regular banks (we don't have brick-and-mortar branches, for example).

Further, we are Blockchain enthusiasts! We want to bring cryptocurrencies to the world's billions.  

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July 20, 2017, 06:17:54 AM
 #46

The mode of operation is explained too simply, without understanding, please elaborate
yeah, also think so.
is it just another e-Wallet like OKPay, PerfectMoney etc?

A digital wallet allows an individual to make electronic transactions only. That is just a very small part of what we offer.

We are also a financial services company. We expect our free payment network to attract many many users. We acquire big data, which gives us, higher---risk adjusted----returns on those financial services (for example p2p lending, credit cards, car loans, student loans, mortgages, micro loans, insurance and asset-backed securities).

In addition, we are Blockchain enthusiasts! We want to bring cryptocurrencies to the world's billions. 



ok, a little more clear about this.
expectancy
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July 20, 2017, 06:59:02 AM
 #47

Conversion rate for phase 2 is final or need to modify there. Very big difference between phase 1 and 2 because participants of phase 1 get 10x more just investing there. This is very confusing thing can you explain about them?

For phrase 2, we may adjust prices before the sale starts if market prices change dramatically. We are doing phase 1 to gather feedback from the community and collaborate with early investors in the early phase of the project. In return, we are offering tokens at a discount.

Please remember that phase 2 will be an auction: the market will determine the final price of our tokens. We believe that this is the fairest way.

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July 20, 2017, 07:16:13 AM
 #48

I like the idea of Crowdbanking, Peer to Peer lending is already quite huge and this makes sense as something Crypto could do really well in.  

My only problem is the fact that the ICO is restricted to just ETH, if it were open to accepting BTC it might be something that I would be interested in, is there a possibility to offer BTC as a method also?

Edit:  Apologies, I see that BTC is accepted also, I was just looking at the conversion part where it showed Phase 1 - Fixed Price Sale   1 ETH = ? BAC
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July 20, 2017, 07:17:59 AM
 #49

Similar to ripple,steem?

Ripple's approach is to beg big banks to use their tech, and to replace the current SWIFT. They claim to be SWIFT 2.0. It's like a top-down approach. LakeBanker is different. We are bottom up. We don't beg banks to change. We change banks. We are more than just a payment protocol. LakeBanker is designed to offer a wide range of banking and financial services. So we believe our potential is much bigger than Ripple's.

Our model is to coordinate a Peer-to-Peer market in which individuals supply banking services to one another. Steem is also Peer-to-Peer in social media whilst we are in banking and financial services. So it is a completely different use case.

Our crowd banking model is unique. No one is doing what we are doing.
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July 20, 2017, 07:36:35 AM
Last edit: July 24, 2017, 03:29:07 AM by LakeBanker
 #50

I like the idea of Crowdbanking, Peer to Peer lending is already quite huge and this makes sense as something Crypto could do really well in.  

My only problem is the fact that the ICO is restricted to just ETH, if it were open to accepting BTC it might be something that I would be interested in, is there a possibility to offer BTC as a method also?

Edit:  Apologies, I see that BTC is accepted also, I was just looking at the conversion part where it showed Phase 1 - Fixed Price Sale   1 ETH = ? BAC

Sure, no problem. The price of tokens is stated in terms of ETH. The price in terms of BTC will be determined by the exchange rate at the time.
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July 20, 2017, 07:38:00 AM
 #51

I like the idea of Crowdbanking, Peer to Peer lending is already quite huge and this makes sense as something Crypto could do really well in.  

My only problem is the fact that the ICO is restricted to just ETH, if it were open to accepting BTC it might be something that I would be interested in, is there a possibility to offer BTC as a method also?

Edit:  Apologies, I see that BTC is accepted also, I was just looking at the conversion part where it showed Phase 1 - Fixed Price Sale   1 ETH = ? BAC

This is easy to understand, the structure of ETH is suitable for ICO or token sales, but BTC is not.

Still, you can set a rate of BTCETH, then you can accept BTC at the same time.
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July 20, 2017, 08:00:23 AM
 #52

I like this one , waiting for more news
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July 20, 2017, 08:40:31 AM
 #53

The mode of operation is explained too simply, without understanding, please elaborate
yeah, also think so.
is it just another e-Wallet like OKPay, PerfectMoney etc?

A digital wallet allows an individual to make electronic transactions only. That is just a very small part of what we offer.

We are also a financial services company. We expect our free payment network to attract many many users. We acquire big data, which gives us, higher---risk adjusted----returns on those financial services (for example p2p lending, credit cards, car loans, student loans, mortgages, micro loans, insurance and asset-backed securities).

In addition, we are Blockchain enthusiasts! We want to bring cryptocurrencies to the world's billions. 




ok, I think the concept is interesting, but the mission is so boring.

people who need transfer money frequently are always few, most people will not transfer even once a year.

as said lenging, loan, insurance, this may be novel, but if these are free, how do you run the business?

maybe my mind is too stupid, and I look forward to your more detailed plan.

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July 20, 2017, 08:51:17 AM
 #54

Nothing is free when it comes to money. Especially Free Banking sound weird...But hey, good luck.
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July 20, 2017, 08:59:31 AM
 #55

The mode of operation is explained too simply, without understanding, please elaborate
yeah, also think so.
is it just another e-Wallet like OKPay, PerfectMoney etc?

A digital wallet allows an individual to make electronic transactions only. That is just a very small part of what we offer.

We are also a financial services company. We expect our free payment network to attract many many users. We acquire big data, which gives us, higher---risk adjusted----returns on those financial services (for example p2p lending, credit cards, car loans, student loans, mortgages, micro loans, insurance and asset-backed securities).

In addition, we are Blockchain enthusiasts! We want to bring cryptocurrencies to the world's billions. 




ok, I think the concept is interesting, but the mission is so boring.

people who need transfer money frequently are always few, most people will not transfer even once a year.

as said lenging, loan, insurance, this may be novel, but if these are free, how do you run the business?

maybe my mind is too stupid, and I look forward to your more detailed plan.

Do not make a judgment too early, you see, it just a beta version which even have uploaded the white paper yet.

let's wait and see how it's growing

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.Any Store Can Buy, Sell and Accept Cryptocurrency.██
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[[[ Whitepaper    Twitter     Facebook]]]
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July 20, 2017, 09:22:21 AM
Last edit: July 20, 2017, 09:48:17 AM by AND01
 #56

Without a roadmap for technology development, just a roadmap for economic development, without a technology development team,   Perhaps not block chain technology    the 2019 roadmap is impractical and impossible to complete.
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July 20, 2017, 09:41:35 AM
 #57

reserved chinese translation, please PM if needed
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July 20, 2017, 10:12:48 AM
 #58

The mode of operation is explained too simply, without understanding, please elaborate
yeah, also think so.
is it just another e-Wallet like OKPay, PerfectMoney etc?

A digital wallet allows an individual to make electronic transactions only. That is just a very small part of what we offer.

We are also a financial services company. We expect our free payment network to attract many many users. We acquire big data, which gives us, higher---risk adjusted----returns on those financial services (for example p2p lending, credit cards, car loans, student loans, mortgages, micro loans, insurance and asset-backed securities).

In addition, we are Blockchain enthusiasts! We want to bring cryptocurrencies to the world's billions. 




ok, I think the concept is interesting, but the mission is so boring.

people who need transfer money frequently are always few, most people will not transfer even once a year.

as said lenging, loan, insurance, this may be novel, but if these are free, how do you run the business?

maybe my mind is too stupid, and I look forward to your more detailed plan.

Do not make a judgment too early, you see, it just a beta version which even have uploaded the white paper yet.

let's wait and see how it's growing

I did not make a trial, I just said my thoughts. anyways, we need more instructions to decide whether to join the investors of this project

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Jamacn
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July 20, 2017, 10:42:02 AM
 #59

Without a roadmap for technology development, just a roadmap for economic development, without a technology development team,   Perhaps not block chain technology    the 2019 roadmap is impractical and impossible to complete.

just as I said, it's crazy and mad. maybe the next version will explain it carefully and release a detailed plan for each step, it's obvious that no one just looked at the thumbnail to set off.

so I would never say something was impossible, I do not want to be a false prophet even if only one ten thousandth chance.
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July 21, 2017, 01:47:04 AM
 #60

The mode of operation is explained too simply, without understanding, please elaborate
yeah, also think so.
is it just another e-Wallet like OKPay, PerfectMoney etc?

A digital wallet allows an individual to make electronic transactions only. That is just a very small part of what we offer.

We are also a financial services company. We expect our free payment network to attract many many users. We acquire big data, which gives us, higher---risk adjusted----returns on those financial services (for example p2p lending, credit cards, car loans, student loans, mortgages, micro loans, insurance and asset-backed securities).

In addition, we are Blockchain enthusiasts! We want to bring cryptocurrencies to the world's billions. 




ok, I think the concept is interesting, but the mission is so boring.

people who need transfer money frequently are always few, most people will not transfer even once a year.

as said lenging, loan, insurance, this may be novel, but if these are free, how do you run the business?

maybe my mind is too stupid, and I look forward to your more detailed plan.

Do not make a judgment too early, you see, it just a beta version which even have uploaded the white paper yet.

let's wait and see how it's growing

I did not make a trial, I just said my thoughts. anyways, we need more instructions to decide whether to join the investors of this project

did you joined their Telegram? there seems only a few people and nothing happened for now.

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.Any Store Can Buy, Sell and Accept Cryptocurrency.██
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[[[ Whitepaper    Twitter     Facebook]]]
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coin_miner21
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July 21, 2017, 02:00:35 AM
 #61

interesting concept. Looking forward more info. Wish your project good luck.

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July 21, 2017, 02:10:13 AM
 #62

It is good to see there are a proven network behind this. I wish the best

A good banking company for the future, when has branch in indonesia Grin Grin Grin

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July 21, 2017, 05:46:02 AM
 #63

It is good to see there are a proven network behind this. I wish the best

A good banking company for the future, when has branch in indonesia Grin Grin Grin

We don't have branches. All the functions ordinarily provided by high-street branches are sourced from our network of LakeBankers (individuals, convenience stores, money exchangers etc). This is crowd banking.

Our network will grow exponentially. So, there will be many, many LakeBankers in Indonesia and everywhere else once we get going.

Look out for us man. We're coming. And high street branches will be a thing of the past when we're done. 
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July 21, 2017, 07:10:49 AM
 #64

Guys, pay attention, this company is like a scammer. It's falling down. Many of us got money stuck LakeBTC.com and can not withdraw both BTC or USD. No banker process my request. Also no one reply my email. It's such unserious behavior.  Angry Angry Angry Angry

They just kidnapped our money and didn't give us a shit...
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July 21, 2017, 09:59:50 AM
 #65

Guys, pay attention, this company is like a scammer. It's falling down. Many of us got money stuck LakeBTC.com and can not withdraw both BTC or USD. No banker process my request. Also no one reply my email. It's such unserious behavior.  Angry Angry Angry Angry

They just kidnapped our money and didn't give us a shit...

I've seen a lot of things like that, it may people who deposit to buy coins are too many, or people who sell coins to withdraw are too many, no matter which one happens, there will be liquidity issues.

especially when the volatile are huge, just like now. the greater the volume, the greater the crisis. and once the crisis come, the exchange also have no way to deal with, they can usually do is only wait to the price volatility gone.

could i know what happened on you?

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btceuropen
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July 21, 2017, 10:16:31 AM
 #66

interesting.

but how to free ??  what the difference between you and okoay, perfect money etc. they are also free to transfer with a high withdraw fees. the other hand, PayPal is not free to transfer and has a relatively cheaper fee to withdraw.

so if I understand correctly, this project is completely free? or another type?

yeah the idea is interesting, but where and how to find lakebanker?
even as perfect money, okpay etc which have developed many years, the partners were not too much and wide. and their exchangers are all corporate instead of individual.
so saw your website plans to train 100000 private lakebanker around the world, it's mad and crazy Shocked

maybe producing 100 thousand in one year is not difficult, do you know how many new seller shops were opened every year on ebay? these are template production, as long as the first batch, the rest completely without any difficulty. but if the first batch has not been successfully manufactured, it must be failed.
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July 21, 2017, 10:28:37 AM
 #67

I really agree with the mission and goals lakebanker.but how to realize such a mission
 ( make banking free, for everyone, forever, and to deliver other financial services, including access to cryptocurrencies, at a much lower cost)

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GoMeat.  300+ STORES ALREADY ONBOARD
 THE FIRST PROJECT OF ITS KIND

ONLY 160K TOKENS REMAINING
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July 21, 2017, 10:44:36 AM
 #68

Seems interesting!!
Good Luck - shall keep monitoring!!
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July 21, 2017, 10:48:31 AM
 #69

I am interested and will follow this topic so I wont forget. Seems like a good initiative.

¯\_(ツ)_/¯

BitCore has a free airdrop every Monday. Get your free BTX!
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July 21, 2017, 10:54:57 AM
 #70

It seems cannot login to LakeBTC.com after register an account, anyone facing same issue ?
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July 21, 2017, 11:03:11 AM
 #71


It looks like we have to wait for more information about this token project, in fact its roadmap is good, just we'll see if this token will be good, like the plan of this project. I will ask permission to bookmark first
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July 21, 2017, 11:11:00 AM
 #72

interesting.

but how to free ??  what the difference between you and okoay, perfect money etc. they are also free to transfer with a high withdraw fees. the other hand, PayPal is not free to transfer and has a relatively cheaper fee to withdraw.

so if I understand correctly, this project is completely free? or another type?

Our model is similar to many of the world's most successful technology companies. Think about emails, search engines and social media sites. They are free for the average user. As a result, they gather billions of users and make profits on value-added services.

We offer basic banking services for free. For example, user to user or user to merchant payments will be free. This will attract many users. As we acquire and analyse more user data we will generate risk-adjusted revenue by offering various types of financial services, for example p2p lending, credit cards, car loans, student loans, micro loans, residential and commercial mortgages, insurance, equities, financial advisory, funds, trusts, asset-backed securities, mortgage-backed securities, crowdfunding, and ICO.

Our business model will be fully explained in our forthcoming white paper

great!

should we would have a bitcoin credit card with a new card organization? it's really exciting!
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July 21, 2017, 11:12:18 AM
 #73

Very interesting

With a pretty convincing concept, I'm sure this project will absorb a lot of manpower, but I guess with such a good concept, it needs a bounty or a signature campaign to expand it, and more people will be interested, good luck
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July 21, 2017, 11:24:18 AM
 #74

The mode of operation is explained too simply, without understanding, please elaborate
yeah, also think so.
is it just another e-Wallet like OKPay, PerfectMoney etc?

A digital wallet allows an individual to make electronic transactions only. That is just a very small part of what we offer.

We are also a financial services company. We expect our free payment network to attract many many users. We acquire big data, which gives us, higher---risk adjusted----returns on those financial services (for example p2p lending, credit cards, car loans, student loans, mortgages, micro loans, insurance and asset-backed securities).

In addition, we are Blockchain enthusiasts! We want to bring cryptocurrencies to the world's billions. 




ok, I think the concept is interesting, but the mission is so boring.

people who need transfer money frequently are always few, most people will not transfer even once a year.

as said lenging, loan, insurance, this may be novel, but if these are free, how do you run the business?

maybe my mind is too stupid, and I look forward to your more detailed plan.


before entry Bitcoin, I was these people who never use bank or other payment to transfer money  Cry 

but now, I can say that I will send or receive at leaset one transfer every week.  Cheesy
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July 21, 2017, 03:22:06 PM
 #75

meanful concept and easy to understand, I am interested. but I need to know how to reach the goal, by steps.

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July 21, 2017, 04:16:09 PM
 #76

Any bounties? I like it though but it's a long wait as it will be held until October.

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posternat
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July 21, 2017, 05:02:16 PM
 #77

The only problem with stuff like this is that it takes a decentralized unit and turns it into something that is more centralized. The exchanges have done enough by half having to meet the know your customer regulations and things like that. Any website that's going to deal with your address going to have to keep it in a database all of this is becoming centralized we're trying to keep it uncentralized that is the entire idea of Bitcoin and the entire idea of a blockchain.
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July 21, 2017, 08:00:48 PM
 #78

If you could do this using simply software simply wallet software and nothing else no websites or anything like that then you might have a better shot otherwise you're just taking it easy centralized currency and turning it into something that's becoming centralized. We do not need anything that is centralized as we are already fed up with fiat centralization thing.

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July 22, 2017, 02:29:17 AM
 #79

The mode of operation is explained too simply, without understanding, please elaborate
yeah, also think so.
is it just another e-Wallet like OKPay, PerfectMoney etc?

A digital wallet allows an individual to make electronic transactions only. That is just a very small part of what we offer.

We are also a financial services company. We expect our free payment network to attract many many users. We acquire big data, which gives us, higher---risk adjusted----returns on those financial services (for example p2p lending, credit cards, car loans, student loans, mortgages, micro loans, insurance and asset-backed securities).

In addition, we are Blockchain enthusiasts! We want to bring cryptocurrencies to the world's billions. 




ok, I think the concept is interesting, but the mission is so boring.

people who need transfer money frequently are always few, most people will not transfer even once a year.

as said lenging, loan, insurance, this may be novel, but if these are free, how do you run the business?

maybe my mind is too stupid, and I look forward to your more detailed plan.


before entry Bitcoin, I was these people who never use bank or other payment to transfer money  Cry 

but now, I can say that I will send or receive at leaset one transfer every week.  Cheesy

you might like this decentralized  transcations, but for this lake banker project, how to decentralized is wait for them to explain more.

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July 22, 2017, 03:15:12 AM
 #80

The only problem with stuff like this is that it takes a decentralized unit and turns it into something that is more centralized. The exchanges have done enough by half having to meet the know your customer regulations and things like that. Any website that's going to deal with your address going to have to keep it in a database all of this is becoming centralized we're trying to keep it uncentralized that is the entire idea of Bitcoin and the entire idea of a blockchain.

agreed, how to decentralized and keep the system running efficiently, this is a challenge for the project.
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July 22, 2017, 04:31:06 AM
 #81

interesting mission, if it was successful, it may make the bank disappear from this earth.

but, so many other companies also claim to launch a revolution with bank, such as Alipay. however, Alipay eventually had to admit to the bank, and lose.

how do you think LakeBanker will avoid the control of government? Or, as far as possible not against any government's policy.
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July 22, 2017, 06:10:56 AM
 #82

interesting mission, if it was successful, it may make the bank disappear from this earth.

but, so many other companies also claim to launch a revolution with bank, such as Alipay. however, Alipay eventually had to admit to the bank, and lose.

how do you think LakeBanker will avoid the control of government? Or, as far as possible not against any government's policy.

another problem is that if there is a fraudster to be your banker, he will just run once he received the funds, what should you do?

you may have its own personal authentication information, however this is not only a credit problem, the key point is the money have gone.

so I think this is too early to decentralized the banking authority, because it must be built in a credit world. 
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July 22, 2017, 06:58:45 AM
 #83

wow, amazing concept! I can imagine the blueprint, can't wait to check the official version and see more details.
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July 22, 2017, 10:32:43 AM
 #84

interesting mission, if it was successful, it may make the bank disappear from this earth.

but, so many other companies also claim to launch a revolution with bank, such as Alipay. however, Alipay eventually had to admit to the bank, and lose.

how do you think LakeBanker will avoid the control of government? Or, as far as possible not against any government's policy.

yeah, lost of problems have not explained in this thread now, I think this is just a pre-announcement instead of official announcement.

even the phase.1 is also pro-sales, They plan to arrange official sales (phase.2) in October.

so, I will not evaluate whether the lakebanker project is worth investing or not, until the team put all the information available to the public.
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July 22, 2017, 11:06:19 AM
 #85

It's great to see Lake Banker project evenutally launched separately.
as the first batch of bankers, I was happy to make profits for help people buy/sell bitcoins, but with the users' growth, eventually I was overwhelmed by the strong requests.
 

.BEST..CHANGE.███████████████
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..BUY/ SELL CRYPTO..
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July 22, 2017, 11:19:44 AM
 #86

It's great to see Lake Banker project evenutally launched separately.
as the first batch of bankers, I was happy to make profits for help people buy/sell bitcoins, but with the users' growth, eventually I was overwhelmed by the strong requests.
 

how much do you earned every month? $500? $1000? $5000? or more?
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July 23, 2017, 01:24:26 AM
 #87

interesting mission, if it was successful, it may make the bank disappear from this earth.

but, so many other companies also claim to launch a revolution with bank, such as Alipay. however, Alipay eventually had to admit to the bank, and lose.

how do you think LakeBanker will avoid the control of government? Or, as far as possible not against any government's policy.

for a cross-border business, such a problem need a professional bar of lawyers.

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July 23, 2017, 06:32:04 AM
 #88

interesting mission, if it was successful, it may make the bank disappear from this earth.

but, so many other companies also claim to launch a revolution with bank, such as Alipay. however, Alipay eventually had to admit to the bank, and lose.

how do you think LakeBanker will avoid the control of government? Or, as far as possible not against any government's policy.

another problem is that if there is a fraudster to be your banker, he will just run once he received the funds, what should you do?

you may have its own personal authentication information, however this is not only a credit problem, the key point is the money have gone.

so I think this is too early to decentralized the banking authority, because it must be built in a credit world. 

nothing can be done overnight, everything always has a beginning. I am looking forward to seeing the specific steps from the team/

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.Any Store Can Buy, Sell and Accept Cryptocurrency.██
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July 23, 2017, 06:45:42 AM
 #89

if you need chinese translation  and chinese thread management please Pm me.
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July 23, 2017, 07:00:59 AM
 #90

With the free banking project in the world hopefully everything can be done quickly, so the money cycle will flow with a little friction, from one person to another, from one currency to another currency and from one country to another with a relative cost Cheap, safe and guaranteed as soon as possible by the legality of a country.

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July 23, 2017, 07:13:38 AM
 #91

I have get my Lakebtc account back, and deposit some btc to  account balance.

how to join in the Phase 1. token sales? your instructions (https://lakebanker.com/sale) just said make a payment to tokensale@lakebanker.com. but it did not any respond after I send a payment to the designated account, that only my balance was deducted accordingly with no BAC token happened.

had I been involved? any tips or records?
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July 23, 2017, 07:40:56 AM
Last edit: July 24, 2017, 03:35:48 AM by LakeBanker
 #92

I really agree with the mission and goals lakebanker.but how to realize such a mission
 ( make banking free, for everyone, forever, and to deliver other financial services, including access to cryptocurrencies, at a much lower cost)

It's an ambitious mission for sure. We will be releasing many more details soon in our white paper.

For now, the basic way we execute this mission is as follows:

Banks suck. They rely on outdated technology (paper, physical cards, atms) and their business model is out of date: they still have brick and mortar high street branches and sometimes hundreds of thousands of employees. That's why they are so expensive.

We use the latest tech (especially mobile and AI) and a crowd banking model to massively reduce our costs. Say you want to make a cash deposit: you click a button on our app---the app transmits the request to local LakeBankers (kind of like calling an uber). A nearby convenience store accepts. You drop off your cash there and you're payed into the system. The cost to us of accepting the deposit is almost zero. We don't need expensive branches. We don't need many employees.

Our reduced costs compared to traditional banks mean we can offer core services for free. Especially user to user and user to merchant payments. Free services like these are incredibly useful. We expect to attract many users. This gives us a large market to which we can offer financial services (loans, p2p lending) etc and gives us access to Big Data. This is how we will make money.
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July 23, 2017, 07:47:57 AM
 #93

I really agree with the mission and goals lakebanker.but how to realize such a mission
 ( make banking free, for everyone, forever, and to deliver other financial services, including access to cryptocurrencies, at a much lower cost)

It's an ambitious mission for sure. We will be releasing many more details soon in our white paper.

For now, the basic way we execute this mission is as follows:

Banks suck. They rely on outdated technology (paper, physical cards, atms) and their business model is out of date: they still have brick and mortar high street branches and sometimes hundreds of thousands of employees. That's why there are so expensive.

We use the latest tech (especially mobile and AI) and a crowd banking model to massively reduce our costs. Say you want to make a cash deposit: you click a button on our app---the app transmits the request to local LakeBankers (kind of like calling an uber). A nearby convenience store accepts. You drop off your cash there and you're payed into the system. The cost to us of accepting the deposit is almost zero. We don't need expensive branches. We don't need many employees.

Our reduced costs compared to traditional banks mean we can offer core services for free. Especially user to user and user to merchant payments. Free services like these are incredibly useful. We expect to attract many users. This gives us a large market to which we can offer financial services (loans, p2p lending) etc and gives us access to Big Data. This is how we will make money.

will you open signature bounty ??
i think that is very good project .
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July 23, 2017, 07:59:38 AM
 #94

The only problem with stuff like this is that it takes a decentralized unit and turns it into something that is more centralized. The exchanges have done enough by half having to meet the know your customer regulations and things like that. Any website that's going to deal with your address going to have to keep it in a database all of this is becoming centralized we're trying to keep it uncentralized that is the entire idea of Bitcoin and the entire idea of a blockchain.

Part of our mission is to make bitcoin and other crypto assets more accessible. We are a spinoff of LakeBTC. We inherit their core team, expertise, tech, culture and so on. We are blockchain enthusiasts!

But we also want to change banking and bring free banking to the world, especially to currently under banked populations. A migrant worker wanting to send home a small remittance doesn't care about on-chain transactions. They just want to move money around easily and without heavy fees. (Bank of America international wire is $40!)

Bitcoin was designed in part to allow money to flow freely between individuals without going through a centralised institution. But it many respects it has not achieved that goal: complexity is high, security is a concern for people, price volatility is an issue and transaction fees are rising. Right now it's an important supplement to the existing financial world but it still has a long way to go.

With us, if you want on-chain transactions that's great, we'll make it easy and secure. People who care less about decentralisation can take advantage of our free services. Everybody wins (unless you're a bank).
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July 23, 2017, 08:02:16 AM
 #95

If you could do this using simply software simply wallet software and nothing else no websites or anything like that then you might have a better shot otherwise you're just taking it easy centralized currency and turning it into something that's becoming centralized. We do not need anything that is centralized as we are already fed up with fiat centralization thing.

Good point. But see my reply to the poster above you and let me know if it doesn't address your concerns.
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July 23, 2017, 08:08:37 AM
 #96

The only problem with stuff like this is that it takes a decentralized unit and turns it into something that is more centralized. The exchanges have done enough by half having to meet the know your customer regulations and things like that. Any website that's going to deal with your address going to have to keep it in a database all of this is becoming centralized we're trying to keep it uncentralized that is the entire idea of Bitcoin and the entire idea of a blockchain.

agreed, how to decentralized and keep the system running efficiently, this is a challenge for the project.


Our free payment network is not decentralised. So it won't be hard to keep the system running. The cost to us of handling a payment is very close to zero once the infrastructure is there.

For those that want their transactions on-chain, we will provide services there too---backed up by the expertise in security that LakeBTC is known for.



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July 23, 2017, 10:45:02 AM
 #97


it's a so exciting thing, and can't wait to know the whole of lakebanker, except to the coming white paper
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July 24, 2017, 12:55:14 AM
 #98

Lakebanker is not a block chaining technique?
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July 24, 2017, 01:01:31 AM
 #99


Although I'm not sure about the concept of this project, but it will be an interesting project, hopefully it can run well and good luck for LakeBanker
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July 24, 2017, 02:47:43 AM
 #100

Lakebanker is not a block chaining technique?


No. We're a financial technology company, but we're also Blockchain enthusiasts (we are a spinoff from cryptocurrency exchange LakeBTC). Part of what we want to do is make cryptocurrencies and other digital assets much more accessible. But that really is just a small part of a massive project: to make core banking services free for the world.
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July 24, 2017, 02:48:57 AM
 #101


Although I'm not sure about the concept of this project, but it will be an interesting project, hopefully it can run well and good luck for LakeBanker



Thanks. If you're not sure about the concept please ask some questions. Part of why we're here is to get useful feedback rom the community.

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July 24, 2017, 02:50:28 AM
 #102

interesting mission, if it was successful, it may make the bank disappear from this earth.

but, so many other companies also claim to launch a revolution with bank, such as Alipay. however, Alipay eventually had to admit to the bank, and lose.

how do you think LakeBanker will avoid the control of government? Or, as far as possible not against any government's policy.


We want to change banks, not governments. We plan to stay fully compliant with local laws and regulations, wherever we operate.
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July 24, 2017, 03:00:57 AM
 #103

interesting mission, if it was successful, it may make the bank disappear from this earth.

but, so many other companies also claim to launch a revolution with bank, such as Alipay. however, Alipay eventually had to admit to the bank, and lose.

how do you think LakeBanker will avoid the control of government? Or, as far as possible not against any government's policy.

for a cross-border business, such a problem need a professional bar of lawyers.

Sure. We expect to invest significantly in legal advice as we plan to stay compliant and work with regulators wherever we operate.

For us, that's worth it---the financial industry needs to change. The are 5 Billion underbanked people in the world, and---for the rest of us---banking is expensive and time consuming. It doesn't have to be like that. And we're going to change it. 
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July 24, 2017, 03:20:44 AM
 #104

Guys, pay attention, this company is like a scammer. It's falling down. Many of us got money stuck LakeBTC.com and can not withdraw both BTC or USD. No banker process my request. Also no one reply my email. It's such unserious behavior.  Angry Angry Angry Angry

They just kidnapped our money and didn't give us a shit...


We have 10 million user accounts. There was bound to be at least one lunatic...


Just kidding. The guys at LakeBTC are looking into your case and will be in touch shortly. Demand is very strong right now and everyone loves liquidity.

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July 24, 2017, 03:28:01 AM
 #105

It's great to see Lake Banker project evenutally launched separately.
as the first batch of bankers, I was happy to make profits for help people buy/sell bitcoins, but with the users' growth, eventually I was overwhelmed by the strong requests.
 


Thanks. Yeh the beta has been running for a while. We have many LakeBankers but the demand is incredibly strong. Right now, we're a little bit like Uber but without enough drivers. People send out requests for LakeBankers but there isn't enough supply. But we know the idea of Crowd-Banking works; its just a matter of expanding. Thats why we're doing the Token Sale.

With investment we can grow our network of LakeBankers exponentially. There will be many, many more of you in the future. But thanks for your service so far.
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July 24, 2017, 03:32:05 AM
 #106

I have get my Lakebtc account back, and deposit some btc to  account balance.

how to join in the Phase 1. token sales? your instructions (https://lakebanker.com/sale) just said make a payment to tokensale@lakebanker.com. but it did not any respond after I send a payment to the designated account, that only my balance was deducted accordingly with no BAC token happened.

had I been involved? any tips or records?

Please check you PM. And thanks for your interest in buying tokens early.
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July 24, 2017, 03:38:52 AM
 #107

sorry, just found an another problem.

e.g.  i entrust a lakebanker to help me transfer money, but if the lakebanker just take my money away and run to a place where no one knows. what should i do in this case? are there any appropriate debt collection and compensation measures?
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July 24, 2017, 04:35:44 AM
Last edit: July 24, 2017, 01:44:01 PM by LakeBanker
 #108

sorry, just found an another problem.

e.g.  i entrust a lakebanker to help me transfer money, but if the lakebanker just take my money away and run to a place where no one knows. what should i do in this case? are there any appropriate debt collection and compensation measures?

Good question.

We are are a spinoff from LakeBTC.com. We've been around for years and have an almost unrivalled reputation for reliability and security. We know how to handle people's money.

As to the specific questions about individual Lakebankers running away with customers money. Cash deposits/withdrawals are more likely to be handled by local businesses (convenience store, money exchangers etc.) than individuals. They're already set up to handle cash securely. For electronic payment options, the system will protect users money. Further, we perform checks on individual LakeBankers (id, documentation, checks, biometrics (eventually)) and our AI continuously monitors performance, user reviews etc. Risk will be extremely well managed in our system.
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July 24, 2017, 10:30:35 AM
 #109

I really agree with the mission and goals lakebanker.but how to realize such a mission
 ( make banking free, for everyone, forever, and to deliver other financial services, including access to cryptocurrencies, at a much lower cost)

It's an ambitious mission for sure. We will be releasing many more details soon in our white paper.

For now, the basic way we execute this mission is as follows:

Banks suck. They rely on outdated technology (paper, physical cards, atms) and their business model is out of date: they still have brick and mortar high street branches and sometimes hundreds of thousands of employees. That's why there are so expensive.

We use the latest tech (especially mobile and AI) and a crowd banking model to massively reduce our costs. Say you want to make a cash deposit: you click a button on our app---the app transmits the request to local LakeBankers (kind of like calling an uber). A nearby convenience store accepts. You drop off your cash there and you're payed into the system. The cost to us of accepting the deposit is almost zero. We don't need expensive branches. We don't need many employees.

Our reduced costs compared to traditional banks mean we can offer core services for free. Especially user to user and user to merchant payments. Free services like these are incredibly useful. We expect to attract many users. This gives us a large market to which we can offer financial services (loans, p2p lending) etc and gives us access to Big Data. This is how we will make money.

will you open signature bounty ??
i think that is very good project .

i think it's more exciting than the project itself  Roll Eyes
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July 26, 2017, 02:18:46 AM
 #110

I really agree with the mission and goals lakebanker.but how to realize such a mission
 ( make banking free, for everyone, forever, and to deliver other financial services, including access to cryptocurrencies, at a much lower cost)

It's an ambitious mission for sure. We will be releasing many more details soon in our white paper.

For now, the basic way we execute this mission is as follows:

Banks suck. They rely on outdated technology (paper, physical cards, atms) and their business model is out of date: they still have brick and mortar high street branches and sometimes hundreds of thousands of employees. That's why there are so expensive.

We use the latest tech (especially mobile and AI) and a crowd banking model to massively reduce our costs. Say you want to make a cash deposit: you click a button on our app---the app transmits the request to local LakeBankers (kind of like calling an uber). A nearby convenience store accepts. You drop off your cash there and you're payed into the system. The cost to us of accepting the deposit is almost zero. We don't need expensive branches. We don't need many employees.

Our reduced costs compared to traditional banks mean we can offer core services for free. Especially user to user and user to merchant payments. Free services like these are incredibly useful. We expect to attract many users. This gives us a large market to which we can offer financial services (loans, p2p lending) etc and gives us access to Big Data. This is how we will make money.

will you open signature bounty ??
i think that is very good project .

Yes, the signature bounty will be launched today or tomorrow. Stay tuned.
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July 28, 2017, 04:27:20 AM
 #111

We are pleased to announce that LakeBTC.com now accepts ETH (Ethereum) deposits for the purpose of the LakeBanker Token Sale.

To make an ETH deposit, log into your LakeBTC.com account, click "Wallet" in the menu, then "ETH" button to create ETH subaccounts. Click "Deposit" tab, then "ETH" tab to view your personal ETH deposit address.

Please ONLY transfer ETH to this address. Do not send tokens. The minimum amount for the deposit is 0.01 ETH, and 30 confirmations are needed.

ETH is not tradable and cannot be withdrawn from LakeBTC at this time. These features are expected to be available to public before October 2017.

Further Information about the Token Sale can be found on: https://lakebanker.com/.

Should you have any questions, please contact customer support at help@lakebtc.com
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July 30, 2017, 06:22:53 AM
 #112

Our bounty campaign is now open at LakeBanker.com
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July 30, 2017, 09:24:11 PM
 #113

To gauge this project accurately I want to look at lakebtc.com's volume, trends, etc. but there's virtually no way to do this because all info on lakebtc since 2016 seems to have disappeared into a black hole in the English speaking world. The coinmarketcap/other tracking site API is broken, virtually all forum activity and site reviews date back to 2014 and so on. Additionally, I'm not filled with confidence about a token sale for a spinoff that wants to trade 30 currencies when the original platform still won't even support ETH itself before phase 2.

Will we see LakeBTC itself make improvements to match this ICO (and ideally ahead of it)? Is there a roadmap on that side?
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July 31, 2017, 06:24:48 AM
 #114

Due to the fork risk of the Bitcoin network on or after August 1st, LakeBTC may have to suspend deposits and withdrawals of BTC to ensure the security of our users' funds. Given this, we have chosen to postpone Phase 1. of our Token Sale to a time when BTC transfers will certainly be available.

It will now be held September 15, 2017, 3pm UTC - September 20, 2017, 3pm UTC.

LakeBanker: Free Banking for the World     LakeBanker.com   Token Sale. Participate Now!
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July 31, 2017, 07:21:40 AM
 #115

Bounty Campaign is live at:

https://bitcointalk.org/index.php?topic=2056136

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July 31, 2017, 06:58:10 PM
 #116



Here we launch our bounty campaign where users can earn BAC through constructive support of our project.



Bitcointalk Signature Bounty

Complete this form and change your bitcointalk.org signature (txt files below):

  • Full Member (full.txt)                     4 BAC per post, 10 posts max per day, and 50 posts max per week.
  • Senior Member (senior.txt)             6 BAC per post, 10 posts max per day, and 50 posts
  • Hero Member (hero.txt)                 8 BAC per post, 20 posts max per day, and 100 posts
  • Hero Member (legendary.txt)         15 BAC per post, 20 posts max per day, and 100 posts


Rules:
  • Extra 1 BAC per valid post is awarded if you use LakeBanker logo as your avatar.
  • Full member or above only.
  • No negative feedback on bitcointalk.org.
  • At least 1 post per day, and min 20 posts per week.
  • Tokens will be paid along with everybody else when Token Sale ends.
  • Only constructive posts over 100 characters are valid. Poor quality and unconstructive posts are not accepted.
  • Invalid discussion boards: Beginners and help, Press, Games, Micro earnings, Politics and Society, Off-topic, Archival, Auctions.




Media

Complete this form, and post articles/reviews/advertisements about LakeBanker at:

  • Youtube, TechCrunch, Medium etc.            50 - 1000 BAC
  • Personal Blog or Website                          50 - 500 BAC
  • Cryptocurrency/blockchain sites                50 - 1000 BAC


Rules:
  • Tokens will be paid along with everybody else when Token Sale ends.
  • Articles/posts deleted before the end of Token Sale are invalid.
  • One article/post per site per person is valid.

LakeBanker: Free Banking for the World     LakeBanker.com   Token Sale. Participate Now!
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August 01, 2017, 04:44:24 AM
 #117

To gauge this project accurately I want to look at lakebtc.com's volume, trends, etc. but there's virtually no way to do this because all info on lakebtc since 2016 seems to have disappeared into a black hole in the English speaking world. The coinmarketcap/other tracking site API is broken, virtually all forum activity and site reviews date back to 2014 and so on. Additionally, I'm not filled with confidence about a token sale for a spinoff that wants to trade 30 currencies when the original platform still won't even support ETH itself before phase 2.

Will we see LakeBTC itself make improvements to match this ICO (and ideally ahead of it)? Is there a roadmap on that side?

We have not spoken at any summits or conferences recently as we have been having exceptional demand for our services. We also want to concentrate on our next big project: LakeBanker, which was developed and tested in stealth mode 1.5 years ago. Today we have more than 2,000 LakaBankers from all over the world with growing demand.  Linus Torvalds says: "Talk of tech innovation is BS. Shut up and get the work done".

Technically it can be a challenge to add any currencies. Our system currently supports 40+ Fiat currencies and 52 payment methods with hundreds more to come.

We choose alt coins and tokens carefully based on many aspects which include tech maturity and business credibility.  Depositing in ETH has recently been enabled on our site for the purpose of this token sale and we anticipate ETH trading to become available in October 2017. With ETH, there have been bad hacking incidents not long ago and it is not listed in some of the major exchanges neither.

And yes, we have published a roadmap of the project on our website: https://lakebanker.com/

LakeBanker: Free Banking for the World     LakeBanker.com   Token Sale. Participate Now!
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August 01, 2017, 04:48:18 AM
 #118

I really agree with the mission and goals lakebanker.but how to realize such a mission
 ( make banking free, for everyone, forever, and to deliver other financial services, including access to cryptocurrencies, at a much lower cost)

It's an ambitious mission for sure. We will be releasing many more details soon in our white paper.

For now, the basic way we execute this mission is as follows:

Banks suck. They rely on outdated technology (paper, physical cards, atms) and their business model is out of date: they still have brick and mortar high street branches and sometimes hundreds of thousands of employees. That's why there are so expensive.

We use the latest tech (especially mobile and AI) and a crowd banking model to massively reduce our costs. Say you want to make a cash deposit: you click a button on our app---the app transmits the request to local LakeBankers (kind of like calling an uber). A nearby convenience store accepts. You drop off your cash there and you're payed into the system. The cost to us of accepting the deposit is almost zero. We don't need expensive branches. We don't need many employees.

Our reduced costs compared to traditional banks mean we can offer core services for free. Especially user to user and user to merchant payments. Free services like these are incredibly useful. We expect to attract many users. This gives us a large market to which we can offer financial services (loans, p2p lending) etc and gives us access to Big Data. This is how we will make money.

will you open signature bounty ??
i think that is very good project .

Thanks. Our Signature Bounty Campaign is now live. Please check: https://bitcointalk.org/index.php?topic=2056136

LakeBanker: Free Banking for the World     LakeBanker.com   Token Sale. Participate Now!
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August 01, 2017, 06:23:07 AM
 #119



Here we launch our bounty campaign where users can earn BAC through constructive support of our project.



Bitcointalk Signature Bounty

Complete this form and change your bitcointalk.org signature (txt files below):

  • Full Member (full.txt)                     4 BAC per post, 10 posts max per day, and 50 posts max per week.
  • Senior Member (senior.txt)             6 BAC per post, 10 posts max per day, and 50 posts
  • Hero Member (hero.txt)                 8 BAC per post, 20 posts max per day, and 100 posts
  • Hero Member (legendary.txt)         15 BAC per post, 20 posts max per day, and 100 posts


Rules:
  • Extra 1 BAC per valid post is awarded if you use LakeBanker logo as your avatar.
  • Full member or above only.
  • No negative feedback on bitcointalk.org.
  • At least 1 post per day, and min 20 posts per week.
  • Tokens will be paid along with everybody else when Token Sale ends.
  • Only constructive posts over 100 characters are valid. Poor quality and unconstructive posts are not accepted.
  • Invalid discussion boards: Beginners and help, Press, Games, Micro earnings, Politics and Society, Off-topic, Archival, Auctions.




Media

Complete this form, and post articles/reviews/advertisements about LakeBanker at:

  • Youtube, TechCrunch, Medium etc.            50 - 1000 BAC
  • Personal Blog or Website                          50 - 500 BAC
  • Cryptocurrency/blockchain sites                50 - 1000 BAC


Rules:
  • Tokens will be paid along with everybody else when Token Sale ends.
  • Articles/posts deleted before the end of Token Sale are invalid.
  • One article/post per site per person is valid.

great to hear that, would like to take a look.
and what the fixed price of BAC??
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August 01, 2017, 06:41:53 AM
 #120



Here we launch our bounty campaign where users can earn BAC through constructive support of our project.



Bitcointalk Signature Bounty

Complete this form and change your bitcointalk.org signature (txt files below):

  • Full Member (full.txt)                     4 BAC per post, 10 posts max per day, and 50 posts max per week.
  • Senior Member (senior.txt)             6 BAC per post, 10 posts max per day, and 50 posts
  • Hero Member (hero.txt)                 8 BAC per post, 20 posts max per day, and 100 posts
  • Hero Member (legendary.txt)         15 BAC per post, 20 posts max per day, and 100 posts


Rules:
  • Extra 1 BAC per valid post is awarded if you use LakeBanker logo as your avatar.
  • Full member or above only.
  • No negative feedback on bitcointalk.org.
  • At least 1 post per day, and min 20 posts per week.
  • Tokens will be paid along with everybody else when Token Sale ends.
  • Only constructive posts over 100 characters are valid. Poor quality and unconstructive posts are not accepted.
  • Invalid discussion boards: Beginners and help, Press, Games, Micro earnings, Politics and Society, Off-topic, Archival, Auctions.




Media

Complete this form, and post articles/reviews/advertisements about LakeBanker at:

  • Youtube, TechCrunch, Medium etc.            50 - 1000 BAC
  • Personal Blog or Website                          50 - 500 BAC
  • Cryptocurrency/blockchain sites                50 - 1000 BAC


Rules:
  • Tokens will be paid along with everybody else when Token Sale ends.
  • Articles/posts deleted before the end of Token Sale are invalid.
  • One article/post per site per person is valid.

great to hear that, would like to take a look.
and what the fixed price of BAC??

The price of BAC is stated in terms of ETH. The price in terms of BTC will be determined by the exchange rate at the time. For phase 1, 1 ETH = 1300 BAC (in the first hour of the sale) and 1 ETH = 1100 BAC (after one hour). Phase 2 will be an auction: the market will determine the final price of our tokens, with the baseline price to be 1 ETH = 900 BAC. We reserve the right to change the price of the tokens prior to the sale if ETH price changes dramatically.

LakeBanker: Free Banking for the World     LakeBanker.com   Token Sale. Participate Now!
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August 01, 2017, 07:02:24 AM
 #121

I checked the company for the record,
it had been register in 03/11,2014
the company should be no problem
and I want know that if I had the LakeBanker token ,I can trade my CNY to JPY free?
Is it the advantage to use the token in this website?
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August 01, 2017, 07:06:07 AM
 #122

recently I reliaze more about Lakebanker, does if the token was not sold successfully? would the team hold the rest token and continue to follow the  roanmap?
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August 01, 2017, 07:10:06 AM
 #123

ok, received your message. and there is another question, what the role does the tokens play in the whole project? does it really have the necessary of exist, rather than a new altcoin?
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August 01, 2017, 08:19:13 AM
 #124

I checked the company for the record,
it had been register in 03/11,2014
the company should be no problem
and I want know that if I had the LakeBanker token ,I can trade my CNY to JPY free?
Is it the advantage to use the token in this website?


which record do you checked? any link could you proved?
I was also looking for the details of the company (even now I can't speak out which company is behind of LakeBTC)

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August 01, 2017, 08:54:46 AM
 #125

Hi can i know what does bac do?? I mean what is thr use of buying ur token in lakebanking?? Sorry that my understanding not that good.

Smile
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August 01, 2017, 09:27:23 AM
 #126

Interesting project but needs more information and answer given to everyone.
I'll keep a eye on this thread to see how this project progresses.
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August 01, 2017, 10:05:19 AM
 #127

I think we need to see the more detailed roadmap, at least specify 2017 Q3 and Q4

what kind of financial innovation and new technology will you use? and lthe question like Pkuwag,


ok, received your message. and there is another question, what the role does the tokens play in the whole project? does it really have the necessary of exist, rather than a new altcoin?

.
  ◆

 
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.
.


 
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▄▄       ▄▄      ▄▄       ▄▄      ▄▄▄▄▄▄▄▄         ▄▄▄▄▄▄▄▄        ▄▄        ▄▄▄▄▄▄▄▄           ▄▄▄            ▄▄       ▄▄      ▄▄▄▄▄▄▄▄▄▄
██       ██      ██       ██      ▀▀▀▀▀▀▀██▄       ▀▀▀▀▀▀▀██▄      ██      ▐██▀▀▀▀▀▀▀       ▄▄██▀▀▀██▄▄        ▀██▄     ██      ▀▀▀▀▀▀▀▀▀▀
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▄▄▄▄▄▄▄▄▄██      ██       ██      ▄▄▄▄▄▄▄██▀       ▄▄▄▄▄▄▄██▀      ██      ▐██▄▄▄▄        ▐█           █▌      █▄ ▀██   ██      ██▄▄▄▄
██▀▀▀▀▀▀▀██      ██       ██      ██▀▀▀▀▀██        ██▀▀▀▀▀▀        ██        ▀▀▀▀██▄      ▐█           █▌      ██   ██▄ ██      ██▀▀▀▀
██       ██      ██       ██      ██      ██       ██   ▄▄         ██             ▐█▌     ▐█▄         ▄█▌      ██    ▀█▄██      ██
██       ██       ██▄   ▄██       ██     ▄█▀       ██    ▀█▄       ██            ▄██       ▀██▄▄   ▄▄██▀       ██     ▀███      ██
██       ██        ▀▀███▀▀        ████████▀        ██      ▀█      ██      ███████▀           ▀▀███▀▀          ██       ██      ██████████
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██████████████████████████████████████████████████████████████████████████████████████████████████████████████████████████████████████████

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██▀       ▐█▀█▄   
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██        ▐█    ▀█▄
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WP
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GÜNther.Danish
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August 01, 2017, 10:54:38 AM
 #128

I checked the company for the record,
it had been register in 03/11,2014
the company should be no problem
and I want know that if I had the LakeBanker token ,I can trade my CNY to JPY free?
Is it the advantage to use the token in this website?


which record do you checked? any link could you proved?
I was also looking for the details of the company (even now I can't speak out which company is behind of LakeBTC)

so is the team reliable? i have not heard even one name of the team, except the CEO Thomas.
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August 01, 2017, 11:08:34 AM
 #129

this project from lakebtc.com exchanger ?
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August 01, 2017, 11:11:50 AM
 #130

Our token (BAC) will be well-intergrated in our business model and has significant, long-term utility in driving transactions in our system. BAC in the LakeBanker system is comparable to XRP in Ripple (see https://ripple.com/xrp/) and ETH in Ethereum (https://www.ethereum.org/ether). BAC is the fuel of the system. All fees and interest in the system will be denominated in BAC. BAC will be based on the Ethereum blockchain and is ERC20-compliant.

Every single cryptocurrency has its own limitations---these include price volatility, unpredictability and technical shortcomings. By having our own token, we manage the token supply and are less vulnerable to issues outside our control.

When the LakeBanker system is mature, BAC will circulate amongst millions and eventually billions of users. The demand will be very strong. The price of BAC is in the future is likely to reflect this.

ok, received your message. and there is another question, what the role does the tokens play in the whole project? does it really have the necessary of exist, rather than a new altcoin?

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August 01, 2017, 01:30:53 PM
 #131

this project from lakebtc.com exchanger ?

Yes, the LakeBanker project is a spin-off from lakebtc.com. It inherits LakeBTC's core team, expertise, technology and culture.  

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August 01, 2017, 02:45:53 PM
 #132

recently I reliaze more about Lakebanker, does if the token was not sold successfully? would the team hold the rest token and continue to follow the  roanmap?

The LakeBanker Crowd Banking model is not a concept. It is tested and proven. The demand has far exceeded our current supply. With no public announcement or media report, we have more than 2,000 LakeBankers serving many, many users around the world.

It is criminal that global remittance payments cost an average of 7.2% of the amount sent (World Bank 2016 data). That’s about $43 billion in charges just for moving information. We instead will make most transfers and payments for free.

So yes, the team is fully committed to the project and its roadmap. It is a big project. We will change banking forever.


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August 02, 2017, 02:27:34 AM
 #133

Hi can i know what does bac do?? I mean what is thr use of buying ur token in lakebanking?? Sorry that my understanding not that good.

The issued token (BAC) will drive transactions in the LakeBanker system. All fees and interest will be denominated by BAC. Our token will be well-integrated in our business model and has significant, long-term utility in our system. When the LakeBanker system is mature, BAC will circulate amongst millions and eventually billions of users. The demand will be very strong.

LakeBanker: Free Banking for the World     LakeBanker.com   Token Sale. Participate Now!
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August 02, 2017, 02:53:26 AM
 #134

what should we do at present? any pre-sales before Sep.15 ?

Jamacn
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August 02, 2017, 03:20:49 AM
 #135

The only problem with stuff like this is that it takes a decentralized unit and turns it into something that is more centralized. The exchanges have done enough by half having to meet the know your customer regulations and things like that. Any website that's going to deal with your address going to have to keep it in a database all of this is becoming centralized we're trying to keep it uncentralized that is the entire idea of Bitcoin and the entire idea of a blockchain.

agreed, how to decentralized and keep the system running efficiently, this is a challenge for the project.


Our free payment network is not decentralised. So it won't be hard to keep the system running. The cost to us of handling a payment is very close to zero once the infrastructure is there.

For those that want their transactions on-chain, we will provide services there too---backed up by the expertise in security that LakeBTC is known for.




show me the technology and finance. I will happy to see the solution on white paper.
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August 02, 2017, 03:24:26 AM
 #136

what should we do at present? any pre-sales before Sep.15 ?

did you check their website? the Phase 1 has been the pre-sales, it should have launched on Aug 15.

if you checked, then I think you means the pre-pre-sales.
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August 02, 2017, 03:37:46 AM
 #137

what should we do at present? any pre-sales before Sep.15 ?

did you check their website? the Phase 1 has been the pre-sales, it should have launched on Aug 15.

if you checked, then I think you means the pre-pre-sales.

ok, saw it "Due to the fork risk of the Bitcoin network on or after August 1st"

but Phase 2 is coming after Phase 1, there are just one month, it is not too much meaning for early birds.

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August 02, 2017, 04:08:53 AM
 #138

what should we do at present? any pre-sales before Sep.15 ?


Phase 1. is the pre-sale. But you can participate now----contributions received before Sep. 15 get the first hour price.


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August 02, 2017, 04:14:39 AM
 #139

what should we do at present? any pre-sales before Sep.15 ?

did you check their website? the Phase 1 has been the pre-sales, it should have launched on Aug 15.

if you checked, then I think you means the pre-pre-sales.

ok, saw it "Due to the fork risk of the Bitcoin network on or after August 1st"

but Phase 2 is coming after Phase 1, there are just one month, it is not too much meaning for early birds.

The first hour price in phase is 1 ETH buys 1300 BAC.

In Phase 2. the market will set the price via our Dutch Auction. But it is very likely that the price will end up being higher in Phase 2.

So Phase 1. is an opportunity for early supporters get a discount. In return we're hoping for support and collaboration from people who believe in our project.

LakeBanker: Free Banking for the World     LakeBanker.com   Token Sale. Participate Now!
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August 02, 2017, 06:41:18 AM
 #140

what should we do at present? any pre-sales before Sep.15 ?

did you check their website? the Phase 1 has been the pre-sales, it should have launched on Aug 15.

if you checked, then I think you means the pre-pre-sales.

ok, saw it "Due to the fork risk of the Bitcoin network on or after August 1st"

but Phase 2 is coming after Phase 1, there are just one month, it is not too much meaning for early birds.

The first hour price in phase is 1 ETH buys 1300 BAC.

In Phase 2. the market will set the price via our Dutch Auction. But it is very likely that the price will end up being higher in Phase 2.

So Phase 1. is an opportunity for early supporters get a discount. In return we're hoping for support and collaboration from people who believe in our project.
if the token can't be traded, should it have used in others?
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August 02, 2017, 06:52:58 AM
 #141

sorry, just found an another problem.

e.g.  i entrust a lakebanker to help me transfer money, but if the lakebanker just take my money away and run to a place where no one knows. what should i do in this case? are there any appropriate debt collection and compensation measures?

Good question.

We are are a spinoff from LakeBTC.com. We've been around for years and have an almost unrivalled reputation for reliability and security. We know how to handle people's money.

As to the specific questions about individual Lakebankers running away with customers money. Cash deposits/withdrawals are more likely to be handled by local businesses (convenience store, money exchangers etc.) than individuals. They're already set up to handle cash securely. For electronic payment options, the system will protect users money. Further, we perform checks on individual LakeBankers (id, documentation, checks, biometrics (eventually)) and our AI continuously monitors performance, user reviews etc. Risk will be extremely well managed in our system.

okay, just in case, if someone took money and get away, how do you deal with this accident?
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August 02, 2017, 06:56:11 AM
 #142

what should we do at present? any pre-sales before Sep.15 ?

did you check their website? the Phase 1 has been the pre-sales, it should have launched on Aug 15.

if you checked, then I think you means the pre-pre-sales.

ok, saw it "Due to the fork risk of the Bitcoin network on or after August 1st"

but Phase 2 is coming after Phase 1, there are just one month, it is not too much meaning for early birds.

The first hour price in phase is 1 ETH buys 1300 BAC.

In Phase 2. the market will set the price via our Dutch Auction. But it is very likely that the price will end up being higher in Phase 2.

So Phase 1. is an opportunity for early supporters get a discount. In return we're hoping for support and collaboration from people who believe in our project.
if the token can't be traded, should it have used in others?


BAC token will be tradable on LakeBTC 3 days after the close of Phase 2. of the tokensale.

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August 02, 2017, 07:54:34 AM
 #143

recently I reliaze more about Lakebanker, does if the token was not sold successfully? would the team hold the rest token and continue to follow the  roanmap?

The LakeBanker Crowd Banking model is not a concept. It is tested and proven. The demand has far exceeded our current supply. With no public announcement or media report, we have more than 2,000 LakeBankers serving many, many users around the world.

It is criminal that global remittance payments cost an average of 7.2% of the amount sent (World Bank 2016 data). That’s about $43 billion in charges just for moving information. We instead will make most transfers and payments for free.

So yes, the team is fully committed to the project and its roadmap. It is a big project. We will change banking forever.



how LakeBankers to survive if most transfer are free? who would pay the LakeBanker fee?
the role of LakeBanker is impossible to be a part-job, it need much time to deals.

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.Any Store Can Buy, Sell and Accept Cryptocurrency.██
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[[[ Whitepaper    Twitter     Facebook]]]
[[[  Telegram      Medium     Youtube ]]]
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August 02, 2017, 08:30:53 AM
 #144

what should we do at present? any pre-sales before Sep.15 ?

did you check their website? the Phase 1 has been the pre-sales, it should have launched on Aug 15.

if you checked, then I think you means the pre-pre-sales.

ok, saw it "Due to the fork risk of the Bitcoin network on or after August 1st"

but Phase 2 is coming after Phase 1, there are just one month, it is not too much meaning for early birds.

The first hour price in phase is 1 ETH buys 1300 BAC.

In Phase 2. the market will set the price via our Dutch Auction. But it is very likely that the price will end up being higher in Phase 2.

So Phase 1. is an opportunity for early supporters get a discount. In return we're hoping for support and collaboration from people who believe in our project.

so, before Sept 15, we can do nothing but wait.


and when would the white paper to publish?

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August 02, 2017, 08:35:04 AM
 #145

what should we do at present? any pre-sales before Sep.15 ?

did you check their website? the Phase 1 has been the pre-sales, it should have launched on Aug 15.

if you checked, then I think you means the pre-pre-sales.

ok, saw it "Due to the fork risk of the Bitcoin network on or after August 1st"

but Phase 2 is coming after Phase 1, there are just one month, it is not too much meaning for early birds.

The first hour price in phase is 1 ETH buys 1300 BAC.

In Phase 2. the market will set the price via our Dutch Auction. But it is very likely that the price will end up being higher in Phase 2.

So Phase 1. is an opportunity for early supporters get a discount. In return we're hoping for support and collaboration from people who believe in our project.

so, before Sept 15, we can do nothing but wait.


and when would the white paper to publish?

If you're interested in our project there's lots to do before Sept 15. Join the bounty campaign? Ask questions about the project here etc.

The white paper will be published by the beginning of next week.

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August 02, 2017, 07:48:12 PM
 #146

I checked the company for the record,
it had been register in 03/11,2014
the company should be no problem
and I want know that if I had the LakeBanker token ,I can trade my CNY to JPY free?
Is it the advantage to use the token in this website?


which record do you checked? any link could you proved?
I was also looking for the details of the company (even now I can't speak out which company is behind of LakeBTC)

so is the team reliable? i have not heard even one name of the team, except the CEO Thomas.

Yes, Thomas Xie is known. He is a cryptocurrency veteran, serial entrepreneur and co-founder of LakeBTC.com. The rest of the team are inherited from LakeBTC, along with its technology, expertise and culture.
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August 03, 2017, 03:00:10 AM
 #147

what should we do at present? any pre-sales before Sep.15 ?

did you check their website? the Phase 1 has been the pre-sales, it should have launched on Aug 15.

if you checked, then I think you means the pre-pre-sales.

ok, saw it "Due to the fork risk of the Bitcoin network on or after August 1st"

but Phase 2 is coming after Phase 1, there are just one month, it is not too much meaning for early birds.

The first hour price in phase is 1 ETH buys 1300 BAC.

In Phase 2. the market will set the price via our Dutch Auction. But it is very likely that the price will end up being higher in Phase 2.

So Phase 1. is an opportunity for early supporters get a discount. In return we're hoping for support and collaboration from people who believe in our project.
if the token can't be traded, should it have used in others?


BAC token will be tradable on LakeBTC 3 days after the close of Phase 2. of the tokensale.

show me the specify dete. or you can promise that the trading will be enable before November?
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August 03, 2017, 04:39:03 AM
Last edit: August 03, 2017, 06:10:48 AM by LakeBTC
 #148

what should we do at present? any pre-sales before Sep.15 ?

did you check their website? the Phase 1 has been the pre-sales, it should have launched on Aug 15.

if you checked, then I think you means the pre-pre-sales.

ok, saw it "Due to the fork risk of the Bitcoin network on or after August 1st"

but Phase 2 is coming after Phase 1, there are just one month, it is not too much meaning for early birds.

The first hour price in phase is 1 ETH buys 1300 BAC.

In Phase 2. the market will set the price via our Dutch Auction. But it is very likely that the price will end up being higher in Phase 2.

So Phase 1. is an opportunity for early supporters get a discount. In return we're hoping for support and collaboration from people who believe in our project.
if the token can't be traded, should it have used in others?


BAC token will be tradable on LakeBTC 3 days after the close of Phase 2. of the tokensale.

show me the specify dete. or you can promise that the trading will be enable before November?

Yes, before November 1st, 2017.

LakeBanker: Free Banking for the World     LakeBanker.com   Token Sale. Participate Now!
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August 03, 2017, 05:21:23 AM
 #149

recently I reliaze more about Lakebanker, does if the token was not sold successfully? would the team hold the rest token and continue to follow the  roanmap?

The LakeBanker Crowd Banking model is not a concept. It is tested and proven. The demand has far exceeded our current supply. With no public announcement or media report, we have more than 2,000 LakeBankers serving many, many users around the world.

It is criminal that global remittance payments cost an average of 7.2% of the amount sent (World Bank 2016 data). That’s about $43 billion in charges just for moving information. We instead will make most transfers and payments for free.

So yes, the team is fully committed to the project and its roadmap. It is a big project. We will change banking forever.



how LakeBankers to survive if most transfer are free? who would pay the LakeBanker fee?
the role of LakeBanker is impossible to be a part-job, it need much time to deals.

Internal payments will be free (user to user, user to merchant etc.), even international payments.

Deposits and withdrawals is where our crowd-banking model comes in. You pay the LakeBanker and they credit your account on the system. The LakeBanker earns a fee (in our token BAC) for this service. LakeBanker fees can be incentivized initially by our user growth fund and eventually by our returns from value-added financial services (credit lines, p2p lending, and so on). LakeBankers can also earn fees from these value-added financial services, for example, checking and approving loans, doing biometric checks on loan applicants and monitoring loan owners. Certain quotas and conditions may apply.

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August 03, 2017, 05:26:09 AM
 #150

This is next marketplace?
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August 03, 2017, 05:50:58 AM
 #151

sorry, just found an another problem.

e.g.  i entrust a lakebanker to help me transfer money, but if the lakebanker just take my money away and run to a place where no one knows. what should i do in this case? are there any appropriate debt collection and compensation measures?

Good question.

We are are a spinoff from LakeBTC.com. We've been around for years and have an almost unrivalled reputation for reliability and security. We know how to handle people's money.

As to the specific questions about individual Lakebankers running away with customers money. Cash deposits/withdrawals are more likely to be handled by local businesses (convenience store, money exchangers etc.) than individuals. They're already set up to handle cash securely. For electronic payment options, the system will protect users money. Further, we perform checks on individual LakeBankers (id, documentation, checks, biometrics (eventually)) and our AI continuously monitors performance, user reviews etc. Risk will be extremely well managed in our system.

okay, just in case, if someone took money and get away, how do you deal with this accident?

Customers' money is safe with us. LakeBanker is not a concept. It has been tested in the real world for 1.5 years and we have had an impeccable record.

Our team includes banking veterans who are experienced in anti-fraud and risk management. 100% of the LakeBankers' money will be locked for the entire period of the transaction for safeguarding before the transaction is complete.

All LakeBankers are KYC'd and have good a track record. Bad players will be penalized by the system.

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August 03, 2017, 06:20:31 AM
 #152





BAC token will be tradable on LakeBTC 3 days after the close of Phase 2. of the tokensale.

show me the specify dete. or you can promise that the trading will be enable before November?

Yes, before November 1st, 2017.

so exciting!
it may be one of the few tokens/coins which booked the trading before launched.

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August 03, 2017, 07:21:51 AM
 #153

what should we do at present? any pre-sales before Sep.15 ?

did you check their website? the Phase 1 has been the pre-sales, it should have launched on Aug 15.

if you checked, then I think you means the pre-pre-sales.

ok, saw it "Due to the fork risk of the Bitcoin network on or after August 1st"

but Phase 2 is coming after Phase 1, there are just one month, it is not too much meaning for early birds.

The first hour price in phase is 1 ETH buys 1300 BAC.

In Phase 2. the market will set the price via our Dutch Auction. But it is very likely that the price will end up being higher in Phase 2.

So Phase 1. is an opportunity for early supporters get a discount. In return we're hoping for support and collaboration from people who believe in our project.
if the token can't be traded, should it have used in others?


BAC token will be tradable on LakeBTC 3 days after the close of Phase 2. of the tokensale.

show me the specify dete. or you can promise that the trading will be enable before November?

Yes, before November 1st, 2017.

wow, great!
will consider to praticiptate in the phase 1 sale.
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August 03, 2017, 09:41:03 AM
 #154

sorry, just found an another problem.

e.g.  i entrust a lakebanker to help me transfer money, but if the lakebanker just take my money away and run to a place where no one knows. what should i do in this case? are there any appropriate debt collection and compensation measures?

Good question.

We are are a spinoff from LakeBTC.com. We've been around for years and have an almost unrivalled reputation for reliability and security. We know how to handle people's money.

As to the specific questions about individual Lakebankers running away with customers money. Cash deposits/withdrawals are more likely to be handled by local businesses (convenience store, money exchangers etc.) than individuals. They're already set up to handle cash securely. For electronic payment options, the system will protect users money. Further, we perform checks on individual LakeBankers (id, documentation, checks, biometrics (eventually)) and our AI continuously monitors performance, user reviews etc. Risk will be extremely well managed in our system.
okay, just in case, if someone took money and get away, how do you deal with this accident?

Customers' money is safe with us. LakeBanker is not a concept. It has been tested in the real world for 1.5 years and we have had an impeccable record.

Our team includes banking veterans who are experienced in anti-fraud and risk management. 100% of the LakeBankers' money will be locked for the entire period of the transaction for safeguarding before the transaction is complete.

All LakeBankers are KYC'd and have good a track record. Bad players will be penalized by the system.

 can't understand well, maybe I should take it a trial
but I never wish meet a frauder although my money is 100% safe.
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August 03, 2017, 10:16:38 AM
 #155

interesting mission, if it was successful, it may make the bank disappear from this earth.

but, so many other companies also claim to launch a revolution with bank, such as Alipay. however, Alipay eventually had to admit to the bank, and lose.

how do you think LakeBanker will avoid the control of government? Or, as far as possible not against any government's policy.


We want to change banks, not governments. We plan to stay fully compliant with local laws and regulations, wherever we operate.

such as... registered with FinCEN in US?
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August 03, 2017, 10:50:26 AM
 #156

sorry, just found an another problem.

e.g.  i entrust a lakebanker to help me transfer money, but if the lakebanker just take my money away and run to a place where no one knows. what should i do in this case? are there any appropriate debt collection and compensation measures?

Good question.

We are are a spinoff from LakeBTC.com. We've been around for years and have an almost unrivalled reputation for reliability and security. We know how to handle people's money.

As to the specific questions about individual Lakebankers running away with customers money. Cash deposits/withdrawals are more likely to be handled by local businesses (convenience store, money exchangers etc.) than individuals. They're already set up to handle cash securely. For electronic payment options, the system will protect users money. Further, we perform checks on individual LakeBankers (id, documentation, checks, biometrics (eventually)) and our AI continuously monitors performance, user reviews etc. Risk will be extremely well managed in our system.
okay, just in case, if someone took money and get away, how do you deal with this accident?

Customers' money is safe with us. LakeBanker is not a concept. It has been tested in the real world for 1.5 years and we have had an impeccable record.

Our team includes banking veterans who are experienced in anti-fraud and risk management. 100% of the LakeBankers' money will be locked for the entire period of the transaction for safeguarding before the transaction is complete.

All LakeBankers are KYC'd and have good a track record. Bad players will be penalized by the system.

 can't understand well, maybe I should take it a trial
but I never wish meet a frauder although my money is 100% safe.

I had tried to deposit with LakeBanker, they don't take my money away, but just a little delay compare to transfer to the exchange directly.

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August 03, 2017, 11:21:23 AM
 #157

So what is the total supply for the signature bounty campaign, and I can not see much information about the tokensale, such the total supply, the price and even how to buy the tokens. stay tuned to wait?
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August 03, 2017, 06:06:05 PM
 #158

So what is the total supply for the signature bounty campaign, and I can not see much information about the tokensale, such the total supply, the price and even how to buy the tokens. stay tuned to wait?

Please find further information on our bounty campaign on: https://lakebanker.com/blogs/2-lakebanker-bounty_programs

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August 04, 2017, 06:57:04 AM
 #159

So what is the total supply for the signature bounty campaign, and I can not see much information about the tokensale, such the total supply, the price and even how to buy the tokens. stay tuned to wait?

Please find further information on our bounty campaign on: https://lakebanker.com/blogs/2-lakebanker-bounty_programs

I think what he means that where the bounty tokens from? because your site has no distributionart for bounty, did it from User Growth
Fund? or Team keep?
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August 04, 2017, 07:57:49 AM
 #160

interesting concept! could I join the feast from Japan?
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August 04, 2017, 09:22:35 AM
 #161

interesting mission, if it was successful, it may make the bank disappear from this earth.

but, so many other companies also claim to launch a revolution with bank, such as Alipay. however, Alipay eventually had to admit to the bank, and lose.

how do you think LakeBanker will avoid the control of government? Or, as far as possible not against any government's policy.


We want to change banks, not governments. We plan to stay fully compliant with local laws and regulations, wherever we operate.

such as... registered with FinCEN in US?
I think they have banned users from US, did you see there is no percent in US on the map of Existing User Distribution??
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August 05, 2017, 05:07:26 AM
 #162

So what is the total supply for the signature bounty campaign, and I can not see much information about the tokensale, such the total supply, the price and even how to buy the tokens. stay tuned to wait?

Please find further information on our bounty campaign on: https://lakebanker.com/blogs/2-lakebanker-bounty_programs

I think you did not get my meaning, I have two questions: 1) What is the total supply for the bounty, since the bonus token is counted by the posts, which means the total supply is not a fixed number. 2) I want to know the total supply, the price of your altcoin and how to buy your altcoins.
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August 06, 2017, 05:27:19 AM
 #163

Our white paper will be published today. Stay tuned.

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August 06, 2017, 10:05:10 AM
 #164

Our white paper will be published today. Stay tuned.

That is great, I will stay tuned to wait for the incoming whitepaper and try to get the answer of my questions about the details of the ICO token sale.
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August 06, 2017, 05:09:54 PM
Last edit: August 07, 2017, 02:44:47 AM by LakeBTC
 #165

The LakeBanker Token Sale White Paper is ready for download:  https://lakebanker.com/whitepaper.pdf



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August 07, 2017, 06:21:45 AM
 #166

The LakeBanker Token Sale White Paper is ready for download:  https://lakebanker.com/whitepaper.pdf




take it, and reading it now.
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August 07, 2017, 07:06:05 AM
 #167

Our token (BAC) will be well-intergrated in our business model and has significant, long-term utility in driving transactions in our system. BAC in the LakeBanker system is comparable to XRP in Ripple (see https://ripple.com/xrp/) and ETH in Ethereum (https://www.ethereum.org/ether). BAC is the fuel of the system. All fees and interest in the system will be denominated in BAC. BAC will be based on the Ethereum blockchain and is ERC20-compliant.

Every single cryptocurrency has its own limitations---these include price volatility, unpredictability and technical shortcomings. By having our own token, we manage the token supply and are less vulnerable to issues outside our control.

When the LakeBanker system is mature, BAC will circulate amongst millions and eventually billions of users. The demand will be very strong. The price of BAC is in the future is likely to reflect this.

ok, received your message. and there is another question, what the role does the tokens play in the whole project? does it really have the necessary of exist, rather than a new altcoin?

thanks for the reply, and just checked the white paper, I am confused about "There is a 5-year vesting schedule for the team tokens, where
only 20% is available for trading each year.
"  and however it was said "BAC will be tradable on LakeBTC.comsoon after Phase 2. of the Token Sale and before November 1st 2017."


did it mean if I buy 100 tokens then I can only trade 20 tokens per year, and it need 5 years to get my investment back??
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August 07, 2017, 07:46:31 AM
 #168

Hi! What is the minimum investment for Phase 1?
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August 07, 2017, 07:59:40 AM
 #169

Quote
So what is the total supply for the signature bounty campaign
i sure you can find the answer on bounty thread~
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August 07, 2017, 08:02:31 AM
 #170

Hi! What is the minimum investment for Phase 1?

No minimum. No maximum.


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August 07, 2017, 08:04:54 AM
 #171

Our token (BAC) will be well-intergrated in our business model and has significant, long-term utility in driving transactions in our system. BAC in the LakeBanker system is comparable to XRP in Ripple (see https://ripple.com/xrp/) and ETH in Ethereum (https://www.ethereum.org/ether). BAC is the fuel of the system. All fees and interest in the system will be denominated in BAC. BAC will be based on the Ethereum blockchain and is ERC20-compliant.

Every single cryptocurrency has its own limitations---these include price volatility, unpredictability and technical shortcomings. By having our own token, we manage the token supply and are less vulnerable to issues outside our control.

When the LakeBanker system is mature, BAC will circulate amongst millions and eventually billions of users. The demand will be very strong. The price of BAC is in the future is likely to reflect this.

ok, received your message. and there is another question, what the role does the tokens play in the whole project? does it really have the necessary of exist, rather than a new altcoin?

thanks for the reply, and just checked the white paper, I am confused about "There is a 5-year vesting schedule for the team tokens, where
only 20% is available for trading each year.
"  and however it was said "BAC will be tradable on LakeBTC.comsoon after Phase 2. of the Token Sale and before November 1st 2017."


did it mean if I buy 100 tokens then I can only trade 20 tokens per year, and it need 5 years to get my investment back??


The five year vesting schedule is only for TEAM tokens. It is to ensure that financial rewards for the team are connected with the long term success of the project.

Participants who purchase tokens will be able to trade ALL of their tokens on LakeBTC soon after the close of the Token Sale and before November 1st 2017. We are offering near immediate liquidity for BAC.

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August 07, 2017, 08:07:15 AM
 #172

So what is the total supply for the signature bounty campaign, and I can not see much information about the tokensale, such the total supply, the price and even how to buy the tokens. stay tuned to wait?

Please find further information on our bounty campaign on: https://lakebanker.com/blogs/2-lakebanker-bounty_programs

I think you did not get my meaning, I have two questions: 1) What is the total supply for the bounty, since the bonus token is counted by the posts, which means the total supply is not a fixed number. 2) I want to know the total supply, the price of your altcoin and how to buy your altcoins.

Apologies that this reply is so late----Tokens from the bounty campaign come from the 25% that we allocate to the team. Those who join the campaign are helping us to drive this project forwards.

There is no total supply for the bounty.

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August 07, 2017, 10:26:50 AM
 #173

Hi! What is the minimum investment for Phase 1?

No minimum. No maximum.




this must be a jabber, could I can buy 0.00001 BTC-valued tokens?

In my mind, most exchanges only support 4 decimal places, and LakeBTC is not an exception.
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August 07, 2017, 02:19:32 PM
 #174

interesting concept! could I join the feast from Japan?

Yes.

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August 07, 2017, 02:31:14 PM
 #175

Hi! What is the minimum investment for Phase 1?

No minimum. No maximum.




this must be a jabber, could I can buy 0.00001 BTC-valued tokens?

In my mind, most exchanges only support 4 decimal places, and LakeBTC is not an exception.

Yes, 4 decimal places at LakeBTC for both BTC and ETH. So the minimum is 0.0001 BTC or ETH.

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August 07, 2017, 02:32:31 PM
 #176

i am join this bounty.FB & Twitter

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August 08, 2017, 01:41:03 AM
 #177

i am join this bounty.FB & Twitter

That's great. We really want the community to help us drive this project forwards. Join our slack and telegram. Get involved.

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