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Author Topic: [ANN][ICO] Change - The First Decentralysed Crypto Bank [ICO September 16th]  (Read 49492 times)
KingArbinV
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September 28, 2017, 09:48:58 AM
 #341

Nothing new - this project is just second Estonian-grounded project simply extending ideas of previous Estonian digital Polybius bank, which first proposed idea of blending banking services with financial marketplace. The slight difference is that Polybius team was shy to mention cryptos in conjuction to banking services, but these guys dare to do it.
As far as it concerns crypto accounts and crypto-nominated debit cards - there are hundreds of such start-ups and even well-established companies like MonacoCard, Coinsbank, UQUID etc.

Economic model is also weak - in WP they promise to distribute only 10% of annual income to tokens holders and try to sell only 40% of token supply for near 50mln. For instance, Polybius bank engaged to distribute 20% of annual income for all tokens, from which 93% are sold to public. Thus from financial perspective Polybius token is 17x more attractive then CAG.

Given these considerations I restrain to participate in this ICO and not recommend anybody to engage in it.


that's quite a misinterpretation of numbers, i'm afraid.
https://medium.com/@CryptoJudgemnt/comparing-cryptobanks-tenx-monaco-change-polybius-tokencard-bankera-54345c04c6a7

This article just compares team, fees and some other basic elements.
Team actually is better in Change, then in other project , it is good moment.
But financing finacial project, you need also to deep inside token model. And here Change sucks.
You could simply find out actual 17x difference in expected returns between Polybius and Change in favour of first one. It seems Change team is too greedy!

As far as it concerns 'Polybius is scam' - but most of them is soft scam! For instance MonacoCard: they get on ICO near $25mlns, but it is already known that they launched crypto-card leveraging third-party WaveCrest solution. It costs them nearly $300/$400thnd. + 2mln for marketing, and rest of money was pocketed-out.
So no doubt Change will obtain EMI licence and be able to launch product - they openly stated in wp that will use third-party solution for card-issuance, see page 25. The question is that $4/$5mln is enough even taking into account thier innovative API for other fintech, so asking investors for $50mln is soft scam too.

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MiBambino
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September 28, 2017, 10:08:17 AM
 #342

Nothing new - this project is just second Estonian-grounded project simply extending ideas of previous Estonian digital Polybius bank, which first proposed idea of blending banking services with financial marketplace. The slight difference is that Polybius team was shy to mention cryptos in conjuction to banking services, but these guys dare to do it.
As far as it concerns crypto accounts and crypto-nominated debit cards - there are hundreds of such start-ups and even well-established companies like MonacoCard, Coinsbank, UQUID etc.

Economic model is also weak - in WP they promise to distribute only 10% of annual income to tokens holders and try to sell only 40% of token supply for near 50mln. For instance, Polybius bank engaged to distribute 20% of annual income for all tokens, from which 93% are sold to public. Thus from financial perspective Polybius token is 17x more attractive then CAG.

Given these considerations I restrain to participate in this ICO and not recommend anybody to engage in it.


that's quite a misinterpretation of numbers, i'm afraid.
https://medium.com/@CryptoJudgemnt/comparing-cryptobanks-tenx-monaco-change-polybius-tokencard-bankera-54345c04c6a7

This article just compares team, fees and some other basic elements.
Team actually is better in Change, then in other project , it is good moment.
But financing finacial project, you need also to deep inside token model. And here Change sucks.
You could simply find out actual 17x difference in expected returns between Polybius and Change in favour of first one. It seems Change team is too greedy!

As far as it concerns 'Polybius is scam' - but most of them is soft scam! For instance MonacoCard: they get on ICO near $25mlns, but it is already known that they launched crypto-card leveraging third-party WaveCrest solution. It costs them nearly $300/$400thnd. + 2mln for marketing, and rest of money was pocketed-out.
So no doubt Change will obtain EMI licence and be able to launch product - they openly stated in wp that will use third-party solution for card-issuance, see page 25. The question is that $4/$5mln is enough even taking into account thier innovative API for other fintech, so asking investors for $50mln is soft scam too.


Where do you get the x17 difference in ROI? Also, Change isn't greedy, there's a lot more money needed to accomplish what they want to do. Change offers a larger number of services than Polybius, which means they have a larger change of adoption, AND they'll need more money to actually install those services.

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stasyk411
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September 28, 2017, 05:28:25 PM
 #343

I'm watching this company! I like the team and everything they do! They are real professionals! I think they have high potential. So keep it up! Cool

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September 28, 2017, 07:23:03 PM
 #344

Precise and well explained overview about Change Bank project can be accessed at; https://steemit.com/ico/@bigcash2011/change-bank-complete-financial-solutions-on-blockchain
Do not forget to up and share, thank you!


     
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MiBambino
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September 28, 2017, 07:45:32 PM
 #345

Precise and well explained overview about Change Bank project can be accessed at; https://steemit.com/ico/@bigcash2011/change-bank-complete-financial-solutions-on-blockchain
Do not forget to up and share, thank you!

Great article, thanks for sharing!

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mrietschel
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September 28, 2017, 10:13:32 PM
 #346

I'm going to watch this, it sounds intersting but I want to see how the ICO develops over the next two weeks.
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September 28, 2017, 10:38:30 PM
 #347

I think the idea is quite successful. Such a service is simply necessary - especially in Russia.

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September 28, 2017, 11:37:26 PM
 #348

I just invested 2 eth. Wish to invest before but i just get my salary today. Anyway hope to get more from signature camping  Grin

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September 28, 2017, 11:39:54 PM
 #349

Several projects in the same field have already existed, so the idea is not fresh. And I can't find some particularity of this project or advantageous offers. Rather ordinary project with not bad team.

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September 28, 2017, 11:50:01 PM
 #350

Several projects in the same field have already existed, so the idea is not fresh. And I can't find some particularity of this project or advantageous offers. Rather ordinary project with not bad team.

https://medium.com/@CryptoJudgemnt/comparing-cryptobanks-tenx-monaco-change-polybius-tokencard-bankera-54345c04c6a7

Read this article, there are differences but to me that's not even important. How many creditcard/online banking providers exist today? In belgium we already have a few of them. Change can definitely coexist with other crypto banks. The one people choose will be the one that fits their personal needs the most. It doesn't have to be one or the other, it can be one for paying in stores, one for saving for retirement, ...

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September 29, 2017, 05:16:40 AM
 #351

CAG rocks, they raise so much money in short time, I think they will raise 100k ETH eventually, let us see.

I hope so they will get succeed to raise more than 100k ETH still 19 days left to invest into this ICO. This is life changer project investors has chance to make big profit in future when the service will start working.

They're not gonna get over 60.000 ETH, they're barely getting 1000 ETH a day. Hopefully they can continue their plans with 140.000 eth less than what they planned on raising

still enough time they will get hard cap
with the funds they managed to collect almost 95% before hard cap, I'm sure they will continue the project very well

Dude I'm not saying its gonna be a problem or something, but look at their website, 47.222 ETH, that's including presales. If they get to 50.000 ETH it'll be a miracle as now they're barely getting 100 ETH a day. Demand isn't suddenly going to pick up now, so I hope they have a plan for this kind of situation. Raising only 25% of the ideal amount is bound to have some effects on their schedule.

Things change fast in crypto, I know the fund has been around 40 something K for sometime but I have seen so many project raise alot in the last week of their ICO but I will be happy if the money will flow in now

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bitcoinentchen
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Best IoT Platform Based on Blockchain


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September 29, 2017, 06:25:15 AM
 #352

CAG rocks, they raise so much money in short time, I think they will raise 100k ETH eventually, let us see.

I hope so they will get succeed to raise more than 100k ETH still 19 days left to invest into this ICO. This is life changer project investors has chance to make big profit in future when the service will start working.

They're not gonna get over 60.000 ETH, they're barely getting 1000 ETH a day. Hopefully they can continue their plans with 140.000 eth less than what they planned on raising

still enough time they will get hard cap
with the funds they managed to collect almost 95% before hard cap, I'm sure they will continue the project very well

Dude I'm not saying its gonna be a problem or something, but look at their website, 47.222 ETH, that's including presales. If they get to 50.000 ETH it'll be a miracle as now they're barely getting 100 ETH a day. Demand isn't suddenly going to pick up now, so I hope they have a plan for this kind of situation. Raising only 25% of the ideal amount is bound to have some effects on their schedule.
50000 ETH are about 15 Million Dollar. Im pretty sure they can work with me 15 Mio. Its a big amount.

gusgusest
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September 29, 2017, 06:45:27 AM
 #353

Last chance to get in with a bonus!


CHANGE—First Global Crypto Bank | ICO |Discussion
jayce
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JAYCE DESIGNS - http://bit.ly/1tmgIwK


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September 29, 2017, 07:02:39 AM
 #354

Last chance to get in with a bonus!
-

Hey you avoiding my message? Seems I have to take serious action.

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September 29, 2017, 09:45:43 AM
 #355

Last chance to get in with a bonus!
-

Hey you avoiding my message? Seems I have to take serious action.

Responded Smiley.

CHANGE—First Global Crypto Bank | ICO |Discussion
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September 29, 2017, 02:52:48 PM
 #356

47k raised, come on guys invest more, let us invest more and help the project, cheers.
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September 30, 2017, 02:32:59 AM
 #357

47k raised, come on guys invest more, let us invest more and help the project, cheers.

Yeah, bump this thread is also a good exposure for this project.
ashuramaya
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September 30, 2017, 03:03:16 AM
 #358

47k raised, come on guys invest more, let us invest more and help the project, cheers.

Yeah, bump this thread is also a good exposure for this project.

yup, 47,739 ETH Already Contributed and it's remaining 10 Hours left from target 60K ETH
hope target will reach soon before ICO ends
preikaler
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"SWISSBORG- THE NEW ERA OF CRYPTO WEALTH MANAGEMEN


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September 30, 2017, 04:28:31 AM
 #359

47k raised, come on guys invest more, let us invest more and help the project, cheers.

Yeah, bump this thread is also a good exposure for this project.

yup, 47,739 ETH Already Contributed and it's remaining 10 Hours left from target 60K ETH
hope target will reach soon before ICO ends
reaching the target before the ICO ended was a sign of a major success for this project. I hope that more investors come in so that all can be realized well for the success of this project

dragonares
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September 30, 2017, 04:36:38 AM
 #360

47k raised, come on guys invest more, let us invest more and help the project, cheers.

Yeah, bump this thread is also a good exposure for this project.

yup, 47,739 ETH Already Contributed and it's remaining 10 Hours left from target 60K ETH
hope target will reach soon before ICO ends
reaching the target before the ICO ended was a sign of a major success for this project. I hope that more investors come in so that all can be realized well for the success of this project

How if 60k target not reached? And then ICO ends or still continue?
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