https://media.spectrocoin.com/forumpic/ICOISLIVE.pnghttps://media.spectrocoin.com/forumpic/bankerafacebook.png https://media.spectrocoin.com/forumpic/bankeratwitter.png https://media.spectrocoin.com/forumpic/bankeralinkedin.png https://media.spectrocoin.com/forumpic/bankerayoutube.png https://media.spectrocoin.com/forumpic/bankeratelegram.pngBankera 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.ServicesBankera 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 BankeraBankera 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 ProjectsBankera 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.
https://media.spectrocoin.com/forumpic/ICOROADMAPUPDATED.png 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.
https://media.spectrocoin.com/forumpic/process1.pngSecond, 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.)
https://media.spectrocoin.com/forumpic/process2.pngOn 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:
http://media.spectrocoin.com/forumpic/price3.pngOur BountiesReferral: https://bankera.com/bounties.htmlTwitter: https://bitcointalk.org/index.php?topic=2100209YouTube: https://bitcointalk.org/index.php?topic=2100246Signature: https://bitcointalk.org/index.php?topic=2101979Forum Thread Translation: https://bitcointalk.org/index.php?topic=2100059Translator & 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
70+ 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
