[ANN]BANKERA – Building the Bank for the Blockchain Era

[Bankera]

Total Supply: 75,000,000,000 ? is not it too much? ))

Are you referring to 7,500,000,000 ?

https://www.coinschedule.com/icos/e709/bankera.html  Total Supply: 75,000,000,000

i would like to buy some of your tokens cause i really like idea of your project but Total Supply 75,000,000,000 i think is too much... you will need to have really big market cap to even reach 10 cents...

The total supply will depend on the pre-ICO. But the cap will not have to so big, as most of coins will not be released if price does not touch 10cent.

hm... you are going to sell it 0.012 EUR per BNK rate during ICO... so if you will make it 10 cent by releasing less BNK so it means that if i will buy for example BNK cost of 1000$ then it will be worth of 10000$ after ICO ends? ))

The ico price will depend on the pre-ico. It might be 0.012the lowest and 0.017 the highest. Regarding post ico price yes, however, pre-ico and ico price will not change.

[Sacho Maggs]

Don't get upset but for crying out loud, you just proved how clueless you are.

The hint is in the CET1, in other words, it means (common EQUITY tier), and you are not raising funds against equity, hence I would like to ask again why you are raising funds when you cannot use them for the purpose you say you will use them for?
 
Also, can you be a little bit more specific than just say: "applying for a bank license in Europe" please? Otherwise, it sounds equally smart as someone saying" "The concept of global warming was created by and for the Chinese in order to make U.S. manufacturing non-competitive." 
   

[Bankera]

Bankera vs Change bank, which to choose and why?

Firstly, Bankera is at least one year ahead of other similar projects. We already have IBANs for SpectroCoin customers (IT and regulatory infrastructure will be a 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, we will also issue loans by taking cryptoassets as collaterals. Add to this, remittance solutions as a side-effect of withdrawal and deposit options. Last, but not least, we have a great team and advisor board that will lead us for the following years while most of our competitors are just running prepaid card programs.

[Bankera]

I can't wait for this ICO. It will a great source for passive income.

Thank you for your interest.

[CrypticGambit]

Hello I have a question about the advisor section. I see that you have Lon Wong President of NEM.io Foundation, could you please elaborate on that?

[Bankera]

Don't get upset but for crying out loud, you just proved how clueless you are.

The hint is in the CET1, in other words, it means (common EQUITY tier), and you are not raising funds against equity, hence I would like to ask again why you are raising funds when you cannot use them for the purpose you say you will use them for?
 
Also, can you be a little bit more specific than just say: "applying for a bank license in Europe" please? Otherwise, it sounds equally smart as someone saying" "The concept of global warming was created by and for the Chinese in order to make U.S. manufacturing non-competitive." 
   

Yes, that's why are doing ICO to have higher capital to meet capital adequacy requirement, as we are doing a bank despite the ICO, just ICO is to be able to achieve higher scale from first day, as we have 300k clients already and lets say starting a bank with 10M would only let us to issue loans worth of 50M which is a bit more than 150EUR on average per client i.e. to pay interests on deposits of 40M EUR which is 133 EUR per customer. Therefore we are doing an ICO to have funds converted to capital, our lawyers and tax advisors have double checked the scheme.

We have several potential domiciles to obtain banking licence, it will also highly depend on recommendations from our advisors, especially the ones at the European Parliament as we are looking for most fintech friendly domicile.

[Bankera]

Check out our interview with our Advisor Antanas Guoga where he shares his thoughts about Bankera and cryptocurrency industry at large: https://www.youtube.com/watch?v=ENOlPM8qlIc&feature=youtu.be

[howard.ashoul]

"This means that Banker owners can earn commission by recommending it to others through word-of-mouth."

Can somebody elaborate, what does it mean?

Is that really mean that - we will recommend bankera - they will get more customers - bigger the 20% of profit will be?

Or am I missing something?

[Bankera]

So you are revolutionaries? Will they deliver what they are promising? I want to accompany you on this journey! I'm watching, will Ico go until when? What is the price expectation for each BANKERA?

The ICO will last until the end of October. The price for pre-ICO will be 1 EUR cent per BNK and the price for ICO will depend on the amount of tokens sold during ICO, you can see the estimated price in the table in our website: http://bankera.com/

[Bankera]

"This means that Banker owners can earn commission by recommending it to others through word-of-mouth."

Can somebody elaborate, what does it mean?

Is that really mean that - we will recommend bankera - they will get more customers - bigger the 20% of profit will be?

Or am I missing something?

Now we have launched a referral program: http://bankera.com/bounties.html

[Bankera]

Hello I have a question about the advisor section. I see that you have Lon Wong President of NEM.io Foundation, could you please elaborate on that?

Yes, he is actively advising us on the usage of Blockchain technology and development of NEM mosaic tokens. We have advisors from different areas of expertise and he is representing the interests of cryptocurrency users/founders.

[CrypticGambit]

Hello I have a question about the advisor section. I see that you have Lon Wong President of NEM.io Foundation, could you please elaborate on that?

Yes, he is actively advising us on the usage of Blockchain technology and development of NEM mosaic tokens. We have advisors from different areas of expertise and he is representing the interests of cryptocurrency users/founders.

Thanks for your reply but I still have my doubts. You said that he is advising you, ok but do you have any proof that he is advising you?  Where I can check that? Any more sources?

[Bankera]

Hello I have a question about the advisor section. I see that you have Lon Wong President of NEM.io Foundation, could you please elaborate on that?

Yes, he is actively advising us on the usage of Blockchain technology and development of NEM mosaic tokens. We have advisors from different areas of expertise and he is representing the interests of cryptocurrency users/founders.

Thanks for your reply but I still have my doubts. You said that he is advising you, ok but do you have any proof that he is advising you?  Where I can check that? Any more sources?

He has announced it in his twitter: https://twitter.com/2017Lon and we have announced it in our Press releases

[Sacho Maggs]

Can you please share with us some of the highlights of your lawyers and tax advice, because, the ICO proceeds = capital.
 
It troubles me when someone is stating an obvious lie: "...Bankera will evolve into a bank within 1-2 years.".
I work in the industry and know that the process takes a minimum of 2 years, and you even want to apply for e-money license first, which might take about a year to get. You cannot use the funds for the CET1 and you don't need to raise such funds in the first place until you have the bank license. So why are you actually raising the funds?

Yet, you overselling the bank element, the project still sounds good without that? Be honest, it creates more credibility in the project.

 

[Champ1]

Ordered my card already 

[Bankera]

Can you please share with us some of the highlights of your lawyers and tax advice, because, the ICO proceeds = capital.
 
It troubles me when someone is stating an obvious lie: "...Bankera will evolve into a bank within 1-2 years.".
I work in the industry and know that the process takes a minimum of 2 years, and you even want to apply for e-money license first, which might take about a year to get. You cannot use the funds for the CET1 and you don't need to raise such funds in the first place until you have the bank license. So why are you actually raising the funds?

Yet, you overselling the bank element, the project still sounds good without that? Be honest, it creates more credibility in the project.

 

We will release an interview with our advisor relating taxes next week as a second episode of Bankera's interview series (you can watch our first episode here https://www.youtube.com/watch?v=ENOlPM8qlIc).

We are totally getting your point, just take where you think in a process we are now, fast forward it 1-2 years and you will get there we actually are at the moment. And we are doing a bank anyway, without ICO or with ICO, the ICO will just help us to scale it up to meet CET1 requirement. Plus before the banking license, we will be able to issue loans as e-money, just from the capital, not deposits, so it will help us to fast forward processes to start offering loans and credit even before banking license.

All your statements are valid, and we have thought about them for a long period of time and found a solution.

[Sacho Maggs]

Thank you for clarifying this, it is clearer now. So, Bankera is not a bank although your tagline somewhat hints that it might be one "the Bank for the Blockchain era". You, therefore intend, to collect ICO proceed because you will be issuing loans under other types of licenses, such as consumer credit license (or payday loan license) until you will decide to apply for a bank license in the future.

Would you therefore kindly, expand on your financials a little bit more.

I would like to understand more about your balance sheet, how have you derived to these projections?
Perhaps you can share with us your high-level income statement, assets and liabilities, please?

Thank you for answering, I have quite a lot to invest and just interested in understanding more.

[alphaHome]

I saw that on the site spectrocoin.com  you can already buy BNK coin. Pre-ico is started?   I can already buy, or wait on August 28?

[contenidosonline]

If you click "buy" link you can't buy tokens, should wait to 8/28.

[DrStein]

Greetings.

I would like to ask you to clarify the process of buying BNK tokens while the ICO is active.
I just read in another topic (Bankera ICO - HUGE) that the procedure is this:

"The following sequence of actions is as follows:
1) You register https://spectrocoin.com/en/signup.html?referralId=3230142453; you validate acc - send documents for confirmation of identity
2) You are writing an email to info@bankera.com with a request to confirm your account and that you want to get to whitelist for specified BNK currency amouth, also give your spectrocoin account details (email)
3) deposit and wait for start pre sale for purchase."

But you mentioned in a previous post that all that is needed is some crypto coins transfered in the spectrocoin wallets.
I have already created a basic account in spectrocoin.com but I have not validate it by sending any documents.
Can I still buy BNK tokens during the ICO by using the ETH or BTC that I will transfer to my spectrocoin wallets?
Should I follow the instructions that are described in step 2?

Thank you in advance.