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

[scolary23]

I agree, but do not forget that many crypto exchanges were created recently because it is a good business. I am afraid that delaying the launch could cause a crash of whole idea of this project due too many competitors.

Delay from time to time might lead to huge side-effects when people feel tired of their waiting time, and lose their faith on the team and decide to make their decision to stop invest and support Bankera. However, I don't think that launch the exchange later might cause to less competitive platform. A competitive platform depends on its internal components: designs, security, promotions, and customer supports. We can not say Binance are less competitive than older exchanges at the beginning because around two years ago, Binance was a new-born exchange.

Of course, there are exceptions to the rule. But basically, who is the first, he has more attention to himself from the community. The second will have to conquer it, using a variety of bonuses. They can not ignore the competition. Any similar project will have the goal of maximizing the number of communities at any cost, not just BANKERA. The slower they are, the greater the chance of success among their competitors.

The slower they are the greater chance of success for another competitors you would like to say, right?
As I said, if they postpone the main launch it would mean that other exchanges have the opportunity of developing similiar product faster.
And when people get used to, they will not change it.

Yes, I completely agree with you on this. People are not inclined to consider alternative service if the current one suits them perfectly. Thus, losing time, the team is likely to lose numbers users. I think that these arguments are more than worthy of attention.

[Prolifik]

I agree, but do not forget that many crypto exchanges were created recently because it is a good business. I am afraid that delaying the launch could cause a crash of whole idea of this project due too many competitors.

Delay from time to time might lead to huge side-effects when people feel tired of their waiting time, and lose their faith on the team and decide to make their decision to stop invest and support Bankera. However, I don't think that launch the exchange later might cause to less competitive platform. A competitive platform depends on its internal components: designs, security, promotions, and customer supports. We can not say Binance are less competitive than older exchanges at the beginning because around two years ago, Binance was a new-born exchange.

Of course, there are exceptions to the rule. But basically, who is the first, he has more attention to himself from the community. The second will have to conquer it, using a variety of bonuses. They can not ignore the competition. Any similar project will have the goal of maximizing the number of communities at any cost, not just BANKERA. The slower they are, the greater the chance of success among their competitors.

The slower they are the greater chance of success for another competitors you would like to say, right?
As I said, if they postpone the main launch it would mean that other exchanges have the opportunity of developing similiar product faster.
And when people get used to, they will not change it.

Yes, I completely agree with you on this. People are not inclined to consider alternative service if the current one suits them perfectly. Thus, losing time, the team is likely to lose numbers users. I think that these arguments are more than worthy of attention.

Great! If there will be enough people with same opinion maybe we will be able to push them to do something on time.
And in these bad times for Binance, it would be great to make more secure exchange that could compete with Binance.

[vinicdemorais]

So much money from ico and so slowly development and updates!!

[holdtodie1993]

dead pj.

[vinicdemorais]

scankera? This project financial needs to be investigate. Where are the updates? Where are the CEOs? More than $120mi  dollars in ICO phase to do nothing and list only in a shit hitbtc exchange? Fuck!

[Ano]

scankera? This project financial needs to be investigate. Where are the updates? Where are the CEOs? More than $120mi  dollars in ICO phase to do nothing and list only in a shit hitbtc exchange? Fuck!

They already spent the raised money now they have nothing to advertise and spread the words to attract new people towards this. I think so now it will become more hard for them to make comeback.

[AMEX38]

They already spent the raised money now they have nothing to advertise and spread the words to attract new people towards this. I think so now it will become more hard for them to make comeback.

There is no come back. They took the money and that's it.
Their exchange is pathetic... Couple of coins, no volume, close to no trade.

The white paper and roadmap have long been forgotten.

Never they managed to appear in the CMC market cap ranking... They always blame CMC but with their track record, I doubt it. Just more lies.

[SP!]

scankera? This project financial needs to be investigate. Where are the updates? Where are the CEOs? More than $120mi  dollars in ICO phase to do nothing and list only in a shit hitbtc exchange? Fuck!

They already spent the raised money now they have nothing to advertise and spread the words to attract new people towards this. I think so now it will become more hard for them to make comeback.

Where do you come up with such accusations?  I think it really doesn't help the project by making such nonsense claims without any proof.  There are plenty of us that are loyal long term supporters who are patiently waiting for their roadmap to be played out.

[AMEX38]

Where do you come up with such accusations?  I think it really doesn't help the project by making such nonsense claims without any proof.  There are plenty of us that are loyal long term supporters who are patiently waiting for their roadmap to be played out.

  Seriously you are asking ?

By the way I supported the ICO so I have been in early but I have since opened my eyes. As for helping the project ? I have done that thank you very much and like I said they have shown close to nothing for it. Silly dead exchange ( would you trade on it ? You would be stuck as 1. There is next to no coin to tarde but more importantly, 2. there is no volume. Buying or selling would take you forever ).

As for the Pacific Bank they bought, it is one of the greyest, shadiest bank in existence. I know because I looked at banking with them many years ago... And I walked away.

[SP!]

Where do you come up with such accusations?  I think it really doesn't help the project by making such nonsense claims without any proof.  There are plenty of us that are loyal long term supporters who are patiently waiting for their roadmap to be played out.

  Seriously you are asking ?

By the way I supported the ICO so I have been in early but I have since opened my eyes. As for helping the project ? I have done that thank you very much and like I said they have shown close to nothing for it. Silly dead exchange ( would you trade on it ? You would be stuck as 1. There is next to no coin to tarde but more importantly, 2. there is no volume. Buying or selling would take you forever ).

As for the Pacific Bank they bought, it is one of the greyest, shadiest bank in existence. I know because I looked at banking with them many years ago... And I walked away.

I understand where you are coming from, but the exchange for me was never a priority.  I never once thought it would be it's saviour.  In fact, I would have got super angry if their original roadmap was compromised, however this is supposedly not the case.  They are still on track to deliver the loans product and it is this that I am most interested in.  The fact they managed to sneak in an exchange (albeit basic) through the back door is a bonus.  It will help facilitate all things BNK and they will have 100% control of any issues that crop up.

If they manage to steal a little market share along the way, then happy days, but my expectations were stupidly low from the outset.

As for PPB, this remains a mystery and I am still interested to know what they will plan to do with it.  Management said they will integrate the bank within Bankera in the future, so surely this has the potential to become a neat business offering the whole suite of banking services.  That's my hope anyway.

[AMEX38]

SPI

Agreed the exchange was not a priority and that's why I see it an a distraction designed to fool us in believing they were actually doing something to counter the scam claims. Total waste of energy and ressources. Added to that, they use it as an excuse as to why BNK is not listed anywhere (serious ). My guess is that no serious exchange wants that coin which is worth nothing now but should it be traded anywhere, will dump even further ( no trust in the team ).

I would add to the above that there is now a warning on this site about BNK presenting strong similitudes with scams. I m sure that unless a large number of people had complained and brought along some facts this Forum couldn't fend off, the BNK team couldn't counter either, most people now see it as a scam.

Sometimes when it couacs like a duck, walks like a duck... It is a


Got to admit that Spectrocoin brought credibility to the project ( BNK being an offshoot ) but I guess that fooled me.

The roadmap has been abandoned, the communication is non existent, the progress nil, and the coin worthless. I stand by the idea that I have been scammed.

[Bankera]

Hi,

Bankera is still a project in development, and we are constantly working on our products and services, so that we can deliver it to Bankera clients.

We are creating value not through hype or empty promises, but by actual deliverables. We're developing new products, working hard on compliance and we're steadily paying weekly revenue.

While we launched our very own trading platform earlier this year, the company is also working on rolling out Bankera Loans - a service that will offer businesses and individuals an opportunity to borrow money while using blockchain assets served as collateral. We are also working to offer Bankera Wallet and Bankera Investment Tools services to provide Bankera’s clients with a full financial infrastructure for managing their day to day financial operations and help Bankera become the ultimate solution for all blockchain era banking needs.

We will provide more information about products on traditional payments, loans and investments as we approach their release.

[AMEX38]

Hi,

Bankera is still a project in development

. Saying otherwise would be lying. This is also the understatement of the year.

and we are constantly working on our products and services,

Can't tell from where we all stand. Looks like the square root of F* all is happening.

so that we can deliver it to Bankera clients.

You have clients ? Who are they ?

We are creating value not through hype

No kidding. If the invisible man was a coin he would be Bankera. Maybe you could build up a tiny bit of hype to make us believe that the coin is not dead. But then again why would you ?

or empty promises

Funny but with the missed deadlines for the Exchange launch and nothing else to show for it, I does look like empty promises.

but by actual deliverables.

Which are ?

We're developing new products .

, How about developing the old ones ? The ones on the Roadmap.

we're steadily paying weekly revenue. .

Humm yeah sure. If I had collected 170 Millions USD, I could pay a pathetic return each week for quite a number of years before I get found out. I don't buy it.

While we launched our very own trading platform earlier this year

Very impressive work. I m looking at the 24 hours volumes right now... ETH/BTC= 0 ETH/USDT=0.1ETH ( an amazing 20 US dollars ) BTC/USDT=0.109639 BTC ( close to 800 US$) and let's not forget the star of all the coins..BNK/USD= 1300 US$. There is more but really if you have a volume exceeding 1 BTC I ll be amazed. Not everyone is Binance I guess. And that's ok actually. I would rather see some development in the banking system to be honest but that's in my dreams.

the company is also working on rolling out Bankera Loans - a service that will offer businesses and individuals an opportunity to borrow money while using blockchain assets served as collateral.

You guys look like a Jack of all trades... Does everything but in reality, does nothing.

We are also working to offer Bankera Wallet and Bankera Investment Tools services to provide Bankera’s clients with a full financial infrastructure for managing their day to day financial operations and help Bankera become the ultimate solution for all blockchain era banking needs.

In the meantime, many others are doing that and faster than you. I guess that's why their coin is worth something and being traded.

We will provide more information about products on traditional payments, loans and investments as we approach their release.

Remember above, you said no empty promises but since you seem to say that you have a plan maybe some kind of approximate date would be welcome ? Please don't send me to the roadmap... We have lost the map and there is no road to be on. Just randomly drifting at sea I would say.

[Just In Crypto]

All these accusations starting to look so childish, but the decision is for those who are striving to judge everything around you without googlin', joining the community or checking other data points. First of all, they raised $150,949,194 USD, NOT $170 000 000 USD. Secondly, there are still 9,493 BNK token holders and it's a healthy number compared to even with some top 200 ranked tokens like LAToken (4,303 addresses) or BIBOX Token (9,601 addresses), etc.

According to the biggest business magazine in Eastern Europe, They just got the Operation License in Estonia and expands the team by hiring new 50(!) professional specialists to run current Bankera business in Lithuania. They will now have over 100 professional specialists to work on crypto products and you guys think you can come and vomit-out some opinions? This is not how investors should "participate" in the Bankera token economy. Take facts and DIVE into it rather than crying publicly and forming a negative opinion.

I (with other nearly 1 000 000 users) am using their first product Spectrocoin without any glitch for 3+ years. This is why I decided to invest in Bankera also - because I trust the team. They are worth it. And you will see it once everything goes live from their side - you will be surprised.

LINKS (use Google translate):

• Fintech Bankera and SpectroCoin are expanding: employ over 50 specialists in Lithuania

- https://www.vz.lt/fintech-sprendimai/2019/04/19/fintech-imones-bankera-ir-spectrocoin-pleciasi-idarbins-per-50-specialistu-lietuvoje

• SpectroCoin, a Lithuanian Crypto Company, Expands Its Operations to Estonia

- https://www.vz.lt/paslaugos/2019/05/09/lietuviu-kriptovaliutu-keitykla-spectrocoin-zenge-i-estija


I am getting the revenues every week. The revenues are always publicly stated on blog.bankera.com. What's the problem, guys? Invested more than was afforded to lose? If you can't get into a project for the long term - don't get at all. If you want to go FAST - join the pump groups and be the insect for the crypto community, but if you want to go FAR - give it a f***ing time.

To conclude - if you don't like the company - just sell the tokens. Somehow, there're still people waiting to buy the dip. Cheers.

[huup]

All these accusations starting to look so childish, but the decision is for those who are striving to judge everything around you without googlin', joining the community or checking other data points. First of all, they raised $150,949,194 USD, NOT $170 000 000 USD. Secondly, there are still 9,493 BNK token holders and it's a healthy number compared to even with some top 200 ranked tokens like LAToken (4,303 addresses) or BIBOX Token (9,601 addresses), etc.

According to the biggest business magazine in Eastern Europe, They just got the Operation License in Estonia and expands the team by hiring new 50(!) professional specialists to run current Bankera business in Lithuania. They will now have over 100 professional specialists to work on crypto products and you guys think you can come and vomit-out some opinions? This is not how investors should "participate" in the Bankera token economy. Take facts and DIVE into it rather than crying publicly and forming a negative opinion.

I (with other nearly 1 000 000 users) am using their first product Spectrocoin without any glitch for 3+ years. This is why I decided to invest in Bankera also - because I trust the team. They are worth it. And you will see it once everything goes live from their side - you will be surprised.

LINKS (use Google translate):

• Fintech Bankera and SpectroCoin are expanding: employ over 50 specialists in Lithuania

- https://www.vz.lt/fintech-sprendimai/2019/04/19/fintech-imones-bankera-ir-spectrocoin-pleciasi-idarbins-per-50-specialistu-lietuvoje

• SpectroCoin, a Lithuanian Crypto Company, Expands Its Operations to Estonia

- https://www.vz.lt/paslaugos/2019/05/09/lietuviu-kriptovaliutu-keitykla-spectrocoin-zenge-i-estija


I am getting the revenues every week. The revenues are always publicly stated on blog.bankera.com. What's the problem, guys? Invested more than was afforded to lose? If you can't get into a project for the long term - don't get at all. If you want to go FAST - join the pump groups and be the insect for the crypto community, but if you want to go FAR - give it a f***ing time.

To conclude - if you don't like the company - just sell the tokens. Somehow, there're still people waiting to buy the dip. Cheers.

Great post! Prepare to get some negative comments because you have only 3 messages on your name.
The negatives will always find a reason. Next you are a paid shiller.
Anyway totally agree with you. Hope we can get some more positive people in here.

[rippar]

Is there any project development? O know that this project has raised a lot of money, but where the development?

[tienthuyha]

Maybe bankera is a slow project because this is a banking project with legal barriers, but I think bankera's team has really wise reasons behind:
1. 2018 is a disastrous year, so bankera may have limited development strategies to maximize budget while market conditions are extremely bad. So far I consider it a wise decision: to reserve the project budget until there are positive conditions.
2. While waiting for the market, bankera's team has a lot of time to take care of their products in the future, making sure they get the best quality when it comes to users.
3. bankera is supported by spectrocoin's experience, potential and credibility, so bankera will soon develop when good conditions take place.
4. Until now, bankera has been concentrating on keeping the project progress and still developing the next items.
Currently, it can be said that the market is entering a period of growth again, I believe that bankera will soon, very soon will launch its core strategic products, and will open marketing campaigns, joint a large-scale project to bring bnakera into a pioneering project in the banking sector. I still keep my trust in the project.
Sorry for English.

[JohnnyBTC197]

A recent article from a Lithuanian newspaper regarding Bankera (Google translated from Lithuanian to English - don't blame me for the bad English   )

Mysterious Neobank with 100 Million dollars: Lithuanians are going to create new money

Vytautas Karalevičius' project “Bankera” is full of contradictions. More than 100,000 participants took part in the original bid of the crypto office. But they do not know who owns the Finalify Ltd, a company registered in the Virgin Islands. The head of Bankera talks about jobs created in Lithuania and his duty to his homeland, but soon he adds that there will be no prophet in his own country.
There are more interesting things to do with the neobank, including the exotic shopping in the Pacific, and the exotic politician Antanas Guoga, who has already retired from the project, and the futuristic sound of "new money". At the end of 2017 - at the beginning of 2018, the initial coin offering (ICO) of Bankera was named the largest in Lithuania's history and one of the largest in the world. It has a total sales of $ 10 billion. over $ 7.7 billion. The unsold part is assigned to ICO participants with BNK tokens, counting the additional amount according to the proportional formula. Interview DELFI V. Karalevičius said that Bankeras ICO had participated in over 100 thousand individuals. The value of the tokens sold is estimated to be over $ 100 million. USD. "We've released a very small part," he said. - The funds are used to develop new financial services and other Bankera related products. They are also designed to be used in loan portfolios, to develop other financial products that enable users to use both conventional and cryptographic. ”

The interlocutor explained that his team's goal is to combine the worlds of cryptovites and traditional finance. “In the first phase, these products and services will only be offered to foreign markets, giving priority to those countries that have established clear and stable market regulation rules for cryptographic companies. In the future, as the regulation goes ahead, it is planned to offer some of the services and products to the Lithuanian market, having prepared and received the appropriate permits, ”said V. Karalevičius.

V. Karalevičius explained that all participants of Bankeras ICO had to confirm their identity. "We know who these people are," he said. According to him, unlike some other ICO projects, Bankera does not have large investors. “There are bigger ones who bought tokens for 5,000. "There are people who are very small," he said. V. Karalevičius taught that the purpose of their ICO was not only the funds but also the creation of the community. “The value is not only in the money itself, but also in marketing, because there are people who help, are interested, give insight into what you are doing wrong, what is good. They are the first users to believe in you. Some of them knew us before, because we were our customers, knew how we were working, what services we provided, what we were able to do, ”he said.

V. Karalevičius can be called a cryptovist veteran. In 2013, together with his partners Justu Dobiliauskas and Mantas Mockevičius, he established a virtual currency exchange company SpectroCoin. Later, the company offered a virtual currency purse, a crypto payment collection service, and finally a payment card that could be added to bitcoins.

As noted in the SpectroCoin website, its business development is carried out by Spectro Finance Ltd, registered in the United Kingdom. According to Companies House, this company is managed by V. Karalevičius, M. Mockevičius and another corporation, Corporo Limited. SpectroCoin products are created by Spectro Finance, a Lithuanian company. According to the data of the Center of Registers, its shareholders are Ugnius Šimelionis, J. Dobiliauskas, V. Karalevičius and M. Mockevičius. According to Sodra, Spectro Finance had 38 employees on May 13th.

"After reaching our original goals with SpectroCoin, we applied the payment institution license in Lithuania in 2016 so that we could expand our business by offering and regulating services. In 2017, we received a license from a payment institution, we searched for a name for our neobank and we invented Bankera, - said V. Karalevičius. He taught that in the summer of 2017 he was in a situation where he had a profitable product with nearly 300,000. registered users, a team of 40 people and a clear vision.

“However, ICO projects have started to come on the market, and many of them have had an idea similar to ours, but with no product they collected tens of millions of euros. And we realize that we will have to compete with them in a dilemma: either we do ICOs, or we run the risk of closing down in the long run, because it would be difficult to compete with a few times better-funded competitors, ”he explained. V. Karalevičius emphasized that currently existing and created products are separated due to often unclear regulation.

[JohnnyBTC197]

"In a very long period of time, we expect SpectroCoin to integrate into Bankera as an additional payment channel and an additional asset class. In the short term, SpectroCoin is being developed as a link between crypto-currency and traditional money, and Bankera as a neobank, ”he said. There are several other companies related to V. Karalevičius in Lithuania. Bankera (Bankera Center of Technology (incorporated in Lithuania) is presented as a technology center. Shareholders of the company are V. Karalevičius, M. Mockevičius and J. Dobiliauskas. According to Sodra, it employs 15 people. Another company is Pervesk, which is managed by the same J. Dobiliauskas, V. Karalevičius and M. Mockevičius through another company Obolis. Pervesk employs 11 people.

An event related to the company Pervesk, about which V. Karalevičius did not want to speak more widely. In September 2018, it was reported that the Bank of Lithuania had fined 0.7 million for violations of money laundering prevention. EUR 5 million and V. Karalevičius himself - EUR 0.5 million. EUR 1 million in fines. "The survey revealed that the company neglected the risk of its clients: there were no adequate internal risk management rules and other documents, and in most cases the customer information that was collected was incomplete and did not disclose the nature of the transactions. The company did not fully understand the origins of the assets and assets of its clients, most of whom carried out operations with virtual assets, and its internal investigations were, in most cases, superficial and formal, 'the central bank said. Interview DELFI V. Karalevičius pointed out that the fines imposed on him and the company have not come into force and have been appealed in court. "I don't want to comment on this at this time," he said.

V. Karalevičius did not agree to disclose who is the owner of Finalify Ltd, a company registered in the Virgin Islands, which operated Bankeras ICO. "It's confidential," he replied. However, DELFI has tried to find out who owns Finalify Ltd in this jurisdiction register. We've been able to get a statement of the company's position, address, contacts, and list of documents submitted to the Registry. One of them is the register of members and directors, but it is private, so it is impossible to find out the owners of Finalify Ltd. V. Karalevičius said that the Virgin Islands is one of the most popular jurisdictions for this type of project because of its clear, stable regulation in English and is recognized globally. The interlocutor pointed out that in other countries the Bankeros Crypto Currency Exchange is already in operation, and then it is planned to offer loan and deposit services. Interestingly, the website bankera.com is not available in Lithuania. Bankera.lt is currently being developed. V. Karalevičius explained that this is due to unclear regulation. “We are waiting for the Ministry of Finance to submit to the Seimas a supplement to the Money Laundering and Terrorist Financing Prevention Act, which will take into account the 5th European Union Directive. Interpretations should end, "he said.

As part of the ICO, Bankera introduced its white paper. It describes project goals, implementation plan, team, etc. One of the ambitions identified in the document is to obtain a bank license in the European Union by the end of 2019. V. Karalevičius indicated that this has not been done yet, but is consistently pursued. “We are considering several countries, we are also discussing partnerships with existing banks. Now we have a team that works with processes every day to get to it. We are developing products that will be financing to be the base and a real business model when we take the next step toward the bank, ”he said. However, he acknowledged that the EU would probably fail before the end of this year. It is also promised that in the long run, Bankera will be licensed in the UK, Japan, and Singapore. V. Karalevičius said that in some of these jurisdictions the project is moving even faster than in Lithuania.

"There we have people who work, communication with the environment," he said. "We go to those jurisdictions where the potential is greatest." The White Paper further states that Bankera will have 200 employees in its first year of operation, with a figure of up to 2,000 over a decade. V. Karalevičius said that currently more than 120 people work in the group's ecosystem. Recently it has been announced that at least 50 more specialists will be hired in Vilnius and Kaunas in the near future. Previously, a banker plan was found on the Bankeras page, which indicates that loan and deposit services will be launched in 2019. V. Karalevičius said that at the moment the product is in the testing stage and the market should be launched in July. He also stressed that Lithuanian residents will not have access to loans and deposits.

"Maybe later, we have such a dream. The majority of the world's population will be accessible. The world is big, Lithuania is small. You will not be a prophet in your country. Very sad, but basically that is the case. It would be much easier for us to provide services in Lithuania, so our competitors are doing the same thing and doing things well for them. Not giving you services in Lithuania is basically more complicated, even bigger costs, because you have a lot to think about how to do it, but that is life ”, - said V. Karalevičius. Divorced attitudes with advisers in Bankeros team are well-known names in public space. For example, former head of Šiaulių bankas Audrius Žiugžda, according to V. Karalevičius, works as a counselor. "It is a man who has been working in the banking sector for a lifetime and the amount of knowledge there is, comparatively, inhuman," said V. Karalevičius. Previously, Bankeros team member Antanas Guoga, former head of the State Tax Inspectorate, Modestas Kaseliauskas, was also a member of the Bank. "A. Guoga was actually near our business since 2015. He helped with the ICO project, his marketing, advertising. The role of M. Kaseliauskas during the ICO was counseling - an idea more ", said V. Karalevičius. He noted that the author of the Bankeras idea was neither Guoga nor Kaseliauskas. "In the long run, when our differences in attitudes and priorities have come to light, our paths have separated with them," said V. Karalevičius.

In early 2018, Bankera was announced to acquire Pacific Private Bank, a bank based in Vanuatu, a Pacific island country. At first glance the exotic purchase, according to V. Karalevičius, was well known. "It was the purchase of technology, teams and knowledge for the development of traditional finance. We knew the people who worked there, our peers, classmates. They are now working in Vanuatu. There are five Lithuanians at the moment, ”said the interlocutor. He said Pacific Private Bank now has about 10 employees. It is a small bank offering traditional banking services (loans, deposits) in the Pacific region. Mostly working with wealthy people. "It was a good option in good time. Like with any items that are sold. For example, when an apartment is needed, it is not, and when it is, it may not be necessary. At that time, both the need and the fact of the sale coincided, ”V. Karalevičius explained. He added that at the moment Vanuatu Bank and Bankera are not being merged. "Other things are business secrets," said V. Karalevičius.
The previously announced plan also referred to the fact that Bankera will in the future offer investment solutions - index-linked funds, cryptographic mechanisms, and "new types of money".

V. Karalevičius said that these subjects were related to his doctoral topics. "One of my research papers is about the influence of the media - how positive or negative news changes the price of bitcoin. There are still titers, forum posts, etc. That idea comes from the investment world, when scientific work appreciates how share prices change when positive or negative news is publicized. Our other direction, such a signpost, is the separation of money. Money is basically three things: custody, exchange and accounting. It has been a very long time, but we are moving towards these three values ​​being distinguished. A payment channel can be something very innovative, cryptographic currencies can improve, payments can be made as easily as we send e-mail. email.

Technology is rapidly evolving and products that allow you to invest very smoothly and very quickly in real time. In fact, they give you the opportunity to keep your balance on your bank account at all times, with a deposit or other fund. And the unit of account is important as long as we have agreed, so it is good. Whether it is the euro or the dollar, it is good for everyone, ”said V. Karalevičius. The interlocutor explained that the biggest problem with money is the state monopoly. “Therefore, there is no competition, no incentive to create newer forms of money. Innovations in money are not there, because there is no motive, we do not think they can be better. But then there are crypto cards as an alternative to payments. Technologies appear that allow you to keep your savings in the form of a cash deposit. I think we're moving towards that, ”he said.

.... Rest can be found here: https://www.delfi.lt/verslas/verslas/paslaptingas-neobankas-su-100-mln-doleriu-lietuviai-ketina-sukurti-naujus-pinigus.d?id=81184387 or just google for "Bankera News"

[Just In Crypto]

"In a very long period of time, we expect SpectroCoin to integrate into Bankera as an additional payment channel and an additional asset class. In the short term, SpectroCoin is being developed as a link between crypto-currency and traditional money, and Bankera as a neobank, ”he said. There are several other companies related to V. Karalevičius in Lithuania. Bankera (Bankera Center of Technology (incorporated in Lithuania) is presented as a technology center. Shareholders of the company are V. Karalevičius, M. Mockevičius and J. Dobiliauskas. According to Sodra, it employs 15 people. Another company is Pervesk, which is managed by the same J. Dobiliauskas, V. Karalevičius and M. Mockevičius through another company Obolis. Pervesk employs 11 people.

An event related to the company Pervesk, about which V. Karalevičius did not want to speak more widely. In September 2018, it was reported that the Bank of Lithuania had fined 0.7 million for violations of money laundering prevention. EUR 5 million and V. Karalevičius himself - EUR 0.5 million. EUR 1 million in fines. "The survey revealed that the company neglected the risk of its clients: there were no adequate internal risk management rules and other documents, and in most cases the customer information that was collected was incomplete and did not disclose the nature of the transactions. The company did not fully understand the origins of the assets and assets of its clients, most of whom carried out operations with virtual assets, and its internal investigations were, in most cases, superficial and formal, 'the central bank said. Interview DELFI V. Karalevičius pointed out that the fines imposed on him and the company have not come into force and have been appealed in court. "I don't want to comment on this at this time," he said.

V. Karalevičius did not agree to disclose who is the owner of Finalify Ltd, a company registered in the Virgin Islands, which operated Bankeras ICO. "It's confidential," he replied. However, DELFI has tried to find out who owns Finalify Ltd in this jurisdiction register. We've been able to get a statement of the company's position, address, contacts, and list of documents submitted to the Registry. One of them is the register of members and directors, but it is private, so it is impossible to find out the owners of Finalify Ltd. V. Karalevičius said that the Virgin Islands is one of the most popular jurisdictions for this type of project because of its clear, stable regulation in English and is recognized globally. The interlocutor pointed out that in other countries the Bankeros Crypto Currency Exchange is already in operation, and then it is planned to offer loan and deposit services. Interestingly, the website bankera.com is not available in Lithuania. Bankera.lt is currently being developed. V. Karalevičius explained that this is due to unclear regulation. “We are waiting for the Ministry of Finance to submit to the Seimas a supplement to the Money Laundering and Terrorist Financing Prevention Act, which will take into account the 5th European Union Directive. Interpretations should end, "he said.

As part of the ICO, Bankera introduced its white paper. It describes project goals, implementation plan, team, etc. One of the ambitions identified in the document is to obtain a bank license in the European Union by the end of 2019. V. Karalevičius indicated that this has not been done yet, but is consistently pursued. “We are considering several countries, we are also discussing partnerships with existing banks. Now we have a team that works with processes every day to get to it. We are developing products that will be financing to be the base and a real business model when we take the next step toward the bank, ”he said. However, he acknowledged that the EU would probably fail before the end of this year. It is also promised that in the long run, Bankera will be licensed in the UK, Japan, and Singapore. V. Karalevičius said that in some of these jurisdictions the project is moving even faster than in Lithuania.

"There we have people who work, communication with the environment," he said. "We go to those jurisdictions where the potential is greatest." The White Paper further states that Bankera will have 200 employees in its first year of operation, with a figure of up to 2,000 over a decade. V. Karalevičius said that currently more than 120 people work in the group's ecosystem. Recently it has been announced that at least 50 more specialists will be hired in Vilnius and Kaunas in the near future. Previously, a banker plan was found on the Bankeras page, which indicates that loan and deposit services will be launched in 2019. V. Karalevičius said that at the moment the product is in the testing stage and the market should be launched in July. He also stressed that Lithuanian residents will not have access to loans and deposits.

"Maybe later, we have such a dream. The majority of the world's population will be accessible. The world is big, Lithuania is small. You will not be a prophet in your country. Very sad, but basically that is the case. It would be much easier for us to provide services in Lithuania, so our competitors are doing the same thing and doing things well for them. Not giving you services in Lithuania is basically more complicated, even bigger costs, because you have a lot to think about how to do it, but that is life ”, - said V. Karalevičius. Divorced attitudes with advisers in Bankeros team are well-known names in public space. For example, former head of Šiaulių bankas Audrius Žiugžda, according to V. Karalevičius, works as a counselor. "It is a man who has been working in the banking sector for a lifetime and the amount of knowledge there is, comparatively, inhuman," said V. Karalevičius. Previously, Bankeros team member Antanas Guoga, former head of the State Tax Inspectorate, Modestas Kaseliauskas, was also a member of the Bank. "A. Guoga was actually near our business since 2015. He helped with the ICO project, his marketing, advertising. The role of M. Kaseliauskas during the ICO was counseling - an idea more ", said V. Karalevičius. He noted that the author of the Bankeras idea was neither Guoga nor Kaseliauskas. "In the long run, when our differences in attitudes and priorities have come to light, our paths have separated with them," said V. Karalevičius.

In early 2018, Bankera was announced to acquire Pacific Private Bank, a bank based in Vanuatu, a Pacific island country. At first glance the exotic purchase, according to V. Karalevičius, was well known. "It was the purchase of technology, teams and knowledge for the development of traditional finance. We knew the people who worked there, our peers, classmates. They are now working in Vanuatu. There are five Lithuanians at the moment, ”said the interlocutor. He said Pacific Private Bank now has about 10 employees. It is a small bank offering traditional banking services (loans, deposits) in the Pacific region. Mostly working with wealthy people. "It was a good option in good time. Like with any items that are sold. For example, when an apartment is needed, it is not, and when it is, it may not be necessary. At that time, both the need and the fact of the sale coincided, ”V. Karalevičius explained. He added that at the moment Vanuatu Bank and Bankera are not being merged. "Other things are business secrets," said V. Karalevičius.
The previously announced plan also referred to the fact that Bankera will in the future offer investment solutions - index-linked funds, cryptographic mechanisms, and "new types of money".

V. Karalevičius said that these subjects were related to his doctoral topics. "One of my research papers is about the influence of the media - how positive or negative news changes the price of bitcoin. There are still titers, forum posts, etc. That idea comes from the investment world, when scientific work appreciates how share prices change when positive or negative news is publicized. Our other direction, such a signpost, is the separation of money. Money is basically three things: custody, exchange and accounting. It has been a very long time, but we are moving towards these three values ​​being distinguished. A payment channel can be something very innovative, cryptographic currencies can improve, payments can be made as easily as we send e-mail. email.

Technology is rapidly evolving and products that allow you to invest very smoothly and very quickly in real time. In fact, they give you the opportunity to keep your balance on your bank account at all times, with a deposit or other fund. And the unit of account is important as long as we have agreed, so it is good. Whether it is the euro or the dollar, it is good for everyone, ”said V. Karalevičius. The interlocutor explained that the biggest problem with money is the state monopoly. “Therefore, there is no competition, no incentive to create newer forms of money. Innovations in money are not there, because there is no motive, we do not think they can be better. But then there are crypto cards as an alternative to payments. Technologies appear that allow you to keep your savings in the form of a cash deposit. I think we're moving towards that, ”he said.

.... Rest can be found here: https://www.delfi.lt/verslas/verslas/paslaptingas-neobankas-su-100-mln-doleriu-lietuviai-ketina-sukurti-naujus-pinigus.d?id=81184387 or just google for "Bankera News"

Well that's an amazing find. And fresh! Good job.