Bankera is building a digital bank to last for the blockchain era. As a traditional bank, Bankera’s services fit into three groups:
Payments including payment accounts with personal IBAN, debit cards, interbank foreign exchange rates and payment processing. All services will support both traditional fiat currencies as well as 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 and the use of exchange traded funds as a substitute for money.
Loans and deposits will be a key competitive edge as well as core service of Bankera. Current deposits will receive interest just as savings do. All Bankera clients will be able to benefit from higher interest rates due to proprietary information about borrowers’ cash flow, as most loans will be given to business clients who use the payment processing solution.
Investments 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. Eventually, Bankera will offer investment banking services including financing corporate strategies of our business clients.
DEVELOPMENT OF IT INFRASTRUCTURE
“Completed”The required IT infrastructure to facilitate payment processing and issue personal IBANs and payment cards has already been developed and are available as a minimum viable product (MVP) in the form of SpectroCoin. Currently, SpectroCoin has 480,000 clients and has already issued 64,000 cards.
10% of the tokens have been distributed to determine the price of the ICO. In total, 2.5bn BNK tokens have been sold for 25M EUR, making it one of the largest pre-ICOs ever. More than 16,000 contributors have participated in the pre-ICO.
Support of full P2P transfers, mobile wallets and the start of membership application of the major payment networks such as card schemes and remittance networks.
INITIAL COIN OFFERING
“November 27th – end of February”
30% of the tokens will be distributed to solve the capital issue so that we can build a successful bank for the blockchain era.
LAUNCH OF THE EXCHANGE
“First half of 2018”
The start of live version of Bankera’s exchangesupporting major cryptocurrencies, ERC20 and NEM Mosaic tokens.
After the ICO, a banking license will be obtained. This will allow us to offer loans and deposit services.
The launch of services related to low-cost investment solutions such as exchange traded funds (ETFs), cryptocurrency and crypto token funds as well as robo advising.
NEW TYPES OF MONEY
The synergy between investment and payment products will offer new types of money such as economic growth linked currency or usage of ETFs as a medium of exchange.
BLOCKCHAIN ERA CONTINUES
INITIAL COIN OFFERING (ICO)
To implement Bankera’s vision, we are launching an initial coin offering (ICO) to issue Bankera tokens on the public blockchain. The tokens called Bankers (BNK) will be issued during the pre-ICO and ICO.
The price during the ICO will depend on the total number of tokens issued during the ICO according to the table below:
BNK issued during ICO EUR per BNK rate during ICO 0 – 1,000,000,000 0.017 1,000,000,001 – 2,000,000,000 0.018 2,000,000,001 – 3,000,000,000 0.019 3,000,000,001 – 4,000,000,000 0.020 4,000,000,001 – 5,000,000,000 0.021 5,000,000,001 – 6,000,000,000 0.022 6,000,000,001 – 7,000,000,000 0.023 7,000,000,001 – 7,500,000,000 0.024
The ICO will be conducted at SpectroCoin exchange, so to be able to participate in the Bankera’s ICO and get Bankers (BNK), you should open an account at SpectroCoin. Bankers (BNK) tokens will be issued as ERC20 compliant tokens for Ethereum blockchain and as NEM mosaics for NEM blockchain. The proportion between Ethereum and NEM tokens will be determined during pre-ICO and ICO depending on contributors’ preferences.
Each holder of Banker (BNK) tokens will be entitled to a referral commission, paid weekly; this will be constituted of 20% of Bankera and SpectroCoin net transaction revenue. This will be implemented by taking 20% of Bankera’s and SpectroCoin’s net revenues and sending them to the smart contract. For example, if net revenues of Bankera for a week are 10,000,000 EUR, 2,000,000 EUR as referral commission will be sent to the smart contract.
Finally, the Bankera’s smart contract will distribute funds (Ether and XEM) to the holders of Banker (ERC20 and NEM mosaic) tokens pro-rata. For example, if there are 50,000,000,000 BNK tokens available in total and you have 1,000,000 BNK you will receive cryptocurrency in a value of around 40 EUR.
FOR MORE INFORMATION
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