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Author Topic: [ANN][ICO] BANKERA - the Bank for the Blockchain Era  (Read 76972 times)
Bankera
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August 15, 2017, 08:03:34 AM
 #1

Bankera’s ICO is live! Over 30 MLN already raised. Get your own Banker (BNK) tokens at SpectroCoin.com while they last!






Bankera


Digital technology has changed the face of finance. Most notably, perhaps, the birth of Blockchain has enabled us to digitalize money via cryptocurrencies such as Bitcoin. There have been many attempts to apply Blockchain technology to revolutionize other financial sectors. However, so far, most FinTech companies have been focusing only on a certain niche (e.g. remittances or lending) as they cannot take advantage of the economies of scale enjoyed by traditional banks. Traditional banks, despite having funds, are not as fast at adopting new technologies, being held up by legacy systems.

Bankera aims to revolutionize banking by taking advantage of what blockchain technology has to offer while still focusing on scale. This means that Bankera seeks to become a one-stop store for all financial services, in the same way traditional brick and mortar banks are now, while using technology to reduce the number of counterparties and thus lowering the cost of banking for the end consumer. The adoption of blockchain technology will also allow Bankera to offer new and unique solutions to its customers.


Services


Bankera will offer three core lines of services:



Payments including payment accounts with personal IBAN, debit cards, interbank foreign exchange rates and payment processing. All services will support both traditional fiat currencies and cryptocurrencies such as Bitcoin, Ethereum, DASH, NEM, ERC20 compliant tokens, and others. In the long term, Bankera will implement innovative solutions such as gross-domestic-product (GDP) linked currencies or the of use exchange-traded funds as a substitute for money.

Loans and deposits will be a key competitive edge as well as a core service of Bankera. Not only saving, but also current accounts will receive interest. All Bankera clients will be able to benefit from higher interest rates due to proprietary information about borrowers' cash flows as most loans will be given to business clients of its payment processing solution.

Investments solution will consist of low-cost investment products such as exchange-traded funds (ETFs), crypto-funds (a portfolio of various cryptocurrencies and crypto tokens) as well as roboadvisory solutions for wealth management. Later on, Bankera will offer investment banking services including financing corporate strategies of our business clients.



Status Quo of Bankera


Bankera will be operational and will have significant IT infrastructure in place prior to the initial coin offering (ICO).

Bankera already has the necessary regulatory and IT arrangements to offer individual international bank account numbers (IBAN) which can accept and make payments in the Single Euro Payments Area (SEPA). Bankera also offers competitive foreign currency exchange rates, quick and cost-effective international bank wires as well as having the “Bankera Payment Card” linked to the cardholder’s payment account.

All of these services can be tested at SpectroCoin, cryptocurrency exchange, e-wallet, debit card and payment processor provider of which Bankera will be an operational fork. What has been developed so far will serve as a minimum viable product for Bankera to begin its operations. However, to achieve its goal of becoming a fully operational bank service, Bankera needs to obtain capital.


How Bankera Is Different from Other Projects


Bankera is at least one year ahead of similar projects, which are mostly running prepaid card programs only. We, on the other hand, already offer IBANs to customers through SpectroCoin, our minimal viable product (MVP). Having an operational MVP allows us to pay a transactional revenue share to our clients weekly and as well as providing the IT and regulatory infrastructure base for Bankera. Secondly, Bankera will be a proper crypto + fiat wallet from day one and will evolve into a bank within 1-2 years. Thirdly, we will offer actual banking services such as loans and deposits and, as a side-effect of withdrawal and deposit options, remittance solutions. Last, but not least, we have a great team and advisory board that will lead us through the following years.







Initial Coin Offering (ICO)


To implement its vision, Bankera is launching its own initial coin offering (ICO).

During the ICO, Bankera will issue virtual currency tokens called Bankers (BNK) on the public blockchain. The value of each token will depend on the net transaction revenue commission share paid to token’s holder each week.



First, 20% of net transaction revenues of Bankera tokens will be reserved and sent to the smart contract.



Second, the smart contract will distribute funds to holders of Bankera tokens pro-rata (i.e. if a holder has 1 % of all outstanding Bankera's tokens, he will receive 1 % of all revenue share.)






On August 28th we launched a pre-ICO and we offered 10% of the tokens to the public.  After three weeks we reached the set hardcap of 25M EUR.

On the 27th of November we launched the ICO campaign during which we offer 30% of the tokens to the public.

The rest of the 30% tokens will be distributed during a SCO (secondary coin offering) in the future, but never at a lower price than 0.1 EUR per BNK price.

25% of tokens will be attributed to the team as a motivation, as well as for bounty programs for outsiders. The team part of the tokens will be allocated over time.

5% will be attributed to advisors, who will advise us for several years until a fully functional bank is in operation.

Hence, the total HARDCAP for the pre-ICO and ICO is 10,000,000,000 BNK (2,500,000,000 + 7,500,000,000) worth 177M EUR (25M EUR + 152M EUR) and at least 750M EUR for the SCO.

The  price of the token during the ICO currently is 0.017 EUR. There will also be soft-caps during the ICO, so that the price after each chunk of 1,000,000,000 BNK will increase by 0.001 EUR. See the table below:




Our Bounties


Referral: https://bankera.com/bounties.html
Twitter: https://bitcointalk.org/index.php?topic=2100209
YouTube: https://bitcointalk.org/index.php?topic=2100246
Signature: https://bitcointalk.org/index.php?topic=2101979
Forum Thread Translation: https://bitcointalk.org/index.php?topic=2100059
Translator & Influencer: https://medium.com/@Bankera_blog/introduction-of-bankeras-bounty-program-c1c9951ac5d2

Team

Vytautas Karalevicius/CEO
Mantas Mockevicius/CCO
Justas Dobiliauskas/CTO
Craig Grant/VP for Business Development
Susana Wessling/UX/UI designer
Egle Eidimtaite/VP for Business Development
Ruta Cizinauskaite/VP for Marketing
Tse-Hsin Lu/VP for Communication
40+ team members



Advisors

Lon Wong/President of the NEM.io Foundation
Antanas Guoga/Member of the European Parliament
Eva Kaili/Member of the European Parliament
Audrius Žiugžda/Expert Banker
Modestas Kaseliauskas/Former Head of the Lithuanian State Tax Authority
Marc Kenigsberg/Founder of BitcoinChaser
Prof. Jochen De Weerdt/Process Mining Expert
Damon Rasheed/CEO of Rate Detective
Dr. Eugene Dubossarsky/Data Scientist
Warren Lush/PR expert



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August 15, 2017, 09:11:49 AM
 #2

What is relationship you have with spectrocoin.com and how they will host this pre-ICO. Looking forward to hear some details about that. This project is offering coins at very attractive during phase good luck.

 
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  S H A R P E  C A P I T A L 
 

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Investing with AI & Machine Learning
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▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄  read our Whitepaper ▄▄▄▄▄▄
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August 15, 2017, 09:13:45 AM
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Reserving whitepaper french translation .
Please PM if needed .

The future of money has arrived   ═══▌▌     TRUCKCOIN     ▐▐═══   For The Fastest Decentralized Global Market
《  ICO starts of Dec 1 st, 2017       ANN Thread     WhitePaper     Twitter     Facebook     Google+
═══════════════════     Powered by GoldenHill International     ═══════════════════
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August 15, 2017, 09:15:14 AM
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A bank of crypto.. this could be what we need right now, to unite the people from different standpoints
Bankera
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August 15, 2017, 09:17:15 AM
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What is relationship you have with spectrocoin.com and how they will host this pre-ICO. Looking forward to hear some details about that. This project is offering coins at very attractive during phase good luck.
As it is written in the whitepaper, Bankera is an operational fork of SpectroCoin (Bankera is founded by SpectroCoin team). However, SpectroCoin was and is created to be a solution for cryptocurrencies: wallet, exchange etc, but to be successful we have developed a lot of bank-like features such as debit cards, IBANs (personalized international bank account numbers to be live soon). So now we are doing a fork and will continue to develop SpectroCoin as a solution for cryptocurrencies, while Bankera will enter a banking sector by offering more banking products such as investments, not only crypto payment processing and deposits and savings.

You will be able to buy BNK tokens during pre-ICO at spectrocoin.com
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August 15, 2017, 09:54:05 AM
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Isn't the point of cryptocurrencies is to avoid the banks and central banks ? Isn't it to circumvent the middleman of the financial institutions ?

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August 15, 2017, 10:05:05 AM
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Dear Bankera team,
I would like to do indonesian translation for Ann thread and Whitepaper. This is my previous translation:
https://bitcointalk.org/index.php?topic=2017868.0
https://bitcointalk.org/index.php?topic=2037082.new#new
https://bitcointalk.org/index.php?topic=2051447.0
https://bitcointalk.org/index.php?topic=2052979.0
https://bitcointalk.org/index.php?topic=2074068.new#new
https://bitcointalk.org/index.php?topic=2080755.0
Looking forward to work with you.
Thanks

Bankera
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August 15, 2017, 10:42:22 AM
 #8

Isn't the point of cryptocurrencies is to avoid the banks and central banks ? Isn't it to circumvent the middleman of the financial institutions ?
Yes, especially for payments. However, cryptocurrencies are still in an early stage so they need a supporting bank. Also, the banking is not about payments, it is about loans and deposits and risk management and Bankera is going to be a key player in the lending business as well as it is going to evolve together with decentralized technologies, firstly by enabling cryptocurrencies, blockchain based KYC solutions etc.
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August 15, 2017, 01:38:32 PM
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Reserving whitepaper french translation .
Please PM if needed .
Thanks, we will be in touch. All other translations are also welcome.
Bankera
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August 15, 2017, 04:19:19 PM
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We will be in touch with you over PM
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August 15, 2017, 04:42:08 PM
 #11

Wow, one more crypto coin bank, well can't say anything but just hoping that this will be success.

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August 15, 2017, 04:48:02 PM
 #12

This is nice, more bank for crypto currency, giving us more choice to keep our crypto coin to be save, not just storing it in the wallet that will be risked if it got taken by some bad people.
Good luck with the project.

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Bankera
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August 15, 2017, 05:21:12 PM
 #13

Wow, one more crypto coin bank, well can't say anything but just hoping that this will be success.
Thanks!
Bankera
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August 15, 2017, 06:50:27 PM
 #14

This is nice, more bank for crypto currency, giving us more choice to keep our crypto coin to be save, not just storing it in the wallet that will be risked if it got taken by some bad people.
Good luck with the project.
Thanks for nice words. And we believe, a regulated crypto focused bank will add more traction for crypto ecosystem itself.
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August 15, 2017, 06:57:31 PM
 #15

Blockchain bank , interesting project. Waiting for ICO. i'm in ^^

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DeepOnion 
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August 15, 2017, 07:18:01 PM
 #16

Ok. Waiting for more details about translation. Thanks

Regards

Bankera
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August 15, 2017, 07:42:11 PM
 #17

Blockchain bank , interesting project. Waiting for ICO. i'm in ^^
Nice to hear. Please join our slack or telegram channels to stay in the loop.
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August 16, 2017, 05:08:41 AM
 #18

Dear Bankera team,
I would like to do Hindi translation for Ann thread and Whitepaper.

This is my previous translations link: https://bitcointalk.org/index.php?topic=2076114.0
Bankera
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August 16, 2017, 06:17:18 AM
 #19

Dear Bankera team,
I would like to do Hindi translation for Ann thread and Whitepaper.

This is my previous translations link: https://bitcointalk.org/index.php?topic=2076114.0

We will keep in touch with you via PM.
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August 16, 2017, 09:15:12 AM
 #20

Japanese version is live: http://bankera.com/index-jp.html
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