[ANN][ICO] Change - The First Decentralysed Crypto Bank [ICO September 16th]

[ninjabiz]

DHL ex-CEO is huge news, you have good connection with celebrities, good thing. I am in.

[1714068784]

1714068784

[1714068784]

1714068784

[MiBambino]

DHL ex-CEO is huge news, you have good connection with celebrities, good thing. I am in.

I wouldn't consider him a celeb, but rather someone with a gigantic network and a lot of credibility, which is better than a celeb

[Sanitough]

DHL ex-CEO is huge news, you have good connection with celebrities, good thing. I am in.

I wouldn't consider him a celeb, but rather someone with a gigantic network and a lot of credibility, which is better than a celeb

I agree with that, celebrities are does not really know everything, they just endorse and we love it.
This person has a good background and we know with his experience it will bring more improvement to the project.

[Obi2024]

I am a pre-ico investor in Change-Bank,

I was banned from the telegram community https://t.me/joinchat/GWX8HkLwpOoocINbLXfRtg. (@changebank)

The message below is on the change announcement group on telegram.

--- Sunday, September 3, 2017 ---

[2:50:18 AM] Change ICO Announcements:
For any inquiries please message @changedragos or @cryptogg

Above message means that anyone can contact @cryptogg and @changedragos to make inquiry

I sent a message to @cryptogg on the 19th of September making some inquiries, and he responded asking for more information which i gave.

To my greatest surprise, i discovered that i was banned in the @changebank community, telegram also banned my account for a limited time.

I notified @cyptogg about the ban in the community and ban from telegram and demanded to know the reason for the ban, but @cyptogg has ignored all my messages.

This is not the way to treat an investor in your project.

I am part of the reason why there is ever going to be any Change-Bank in existence and if you treat me this way, you can also treat any other investor in the same manner.

It is very frustrating which is why i took to this thread to register my displeasure about this ugly development.

I demand a full explanation as to why i was banned from the @changebank telegram community and i demand an apology from @cryptogg for ignoring me despite all my request for explanation. I also demand sanction from the Change company to whoever was responsible for this treatment to an investor.

[Mitaner]

DHL ex-CEO is huge news, you have good connection with celebrities, good thing. I am in.

I wouldn't consider him a celeb, but rather someone with a gigantic network and a lot of credibility, which is better than a celeb

Yes, exactly!

[Obi2024]

I am a pre-ico investor in Change-Bank,

I was banned from the telegram community https://t.me/joinchat/GWX8HkLwpOoocINbLXfRtg. (@changebank)

The message below is on the change announcement group on telegram.

--- Sunday, September 3, 2017 ---

[2:50:18 AM] Change ICO Announcements:
For any inquiries please message @changedragos or @cryptogg

Above message means that anyone can contact @cryptogg and @changedragos to make inquiry

I sent a message to @cryptogg on the 19th of September making some inquiries, and he responded asking for more information which i gave.

To my greatest surprise, i discovered that i was banned in the @changebank community, telegram also banned my account for a limited time.

I notified @cyptogg about the ban in the community and ban from telegram and demanded to know the reason for the ban, but @cyptogg has ignored all my messages.

This is not the way to treat an investor in your project.

I am part of the reason why there is ever going to be any Change-Bank in existence and if you treat me this way, you can also treat any other investor in the same manner.

It is very frustrating which is why i took to this thread to register my displeasure about this ugly development.

I demand a full explanation as to why i was banned from the @changebank telegram community and i demand an apology from @cryptogg for ignoring me despite all my request for explanation. I also demand sanction from the Change company to whoever was responsible for this treatment to an investor.

I got an apology from @cryptogg,  still need to know who and why i was banned in the community

[autada]

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

[Freaks]

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.

[MiBambino]

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

[silver12si]

46,604.005367806638160776 Ether

[MiBambino]

46,604.005367806638160776 Ether

47,115 now, but still a long way to go to the next milestone. I highly doubt they'll even get to 60.000 ETH tbh

[small hui]

I have the same  but my balance is showing fine.

[Gwyn]

46,604.005367806638160776 Ether

47,115 now, but still a long way to go to the next milestone. I highly doubt they'll even get to 60.000 ETH tbh

yeah ,i also sure Change project will reach goal, if project success ,will change our life, investors has chance to make big profit in future when the service will start working.

[milani]

Interesting idea and promissing project!!!!! The prehistory of the project is interesting. I like the team. And the partners of the project - many famous names among them. Liked the promo-video on the website!!!! Very lively and unobtrusively))) Good luck to the founders and developers of the project!! )))) 

[hanifhadzar]

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

[jayce]

Hello,

May I know who was the designer of your html banner on forum ad?

[MiBambino]

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.

[KingArbinV]

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.

[MiBambino]

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.

[stasyk411]

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!