Bankera.. Cryptocurrency Very Own Bank?
Hello steemian
I was doing some learning and research on cryptocurreny as homework, since i am new in this world of cryptocurrency and blockchain. I came across Bankera. Let me explain to my best ability and understanding what Bankera ICO is.
Bankera ICO is a cryptocurrency bank. Looking to replicate banking system, from the banking industry into cryptocurrency world. Reinventing bank into decentralized, online, internet base in cryptocurrency. Bankera is building digital bank, banking for the blockchain era.
The founding team of Bankera owns and operates a successful cryptocurrency exchange platform, Spectrocoin. Spectrocoin is web base bitcoin wallet and exchange provider, debit and credit card provider and payment proccessor. Spectrocoin also support fiat deposit and withdrawals to other currencies. Spectrocoin will continue to provide solution for cryptocurrency. Whereas, Bankera will provide banking related services.
Bankera ICO in general.
Offering services like a traditional bank would normally do. Providing bank account, saving and current account, interchange banks rate and processing. Abilities to get Loan like a normal bank and other services. All these services support fiat and cryptocurrencies.
Customers numbers, Individual International Bank Account Numbers (IBAN), which can handle payments in the single Euro payments Area (SEPA) said to be able to do transaction of fiat currencies cross border transactions. It is acquired upon opening an account.
Bankera also offering Debit Cards. To pay for things with cryptocurrency and exchanges into fiat.
Bankera Token use on pre-ICO and on going ICO is called Bankers (BNK). As a BNK(Erc20) token holder, a 20% dividen giving to holders. Its weekly refferal commission as reward. Basically getting 20% profit every week.
They already have 706k+ clients. Currently generating 1 milllion daily volume uses of thier service.
Bankera will implement solutions such as GDP linked currencies, used equity traded funds as a substitute for money.
They are looking for regulation. By being regulated bank by mid 2018, In 2019, they are likely to be getting their banking licence. So they are the 1st cryotocurrency bank to get a banking licence before 2020.
Bankera covers 22 fiat currencies including major currency, USD, EUR and GBP. And also support cryptocurrencies like Bitcoin, Ethereum, Dash, Nem and Erc20.
Recent news, Bankera have bought a Pacific Private Bank. This is a bank of wealth management, private banking solutions. By adding this infrastructure to thier existing infrastructure making it much stronger.
Traditional Banks are anti cryptocurrency, they are centralized, benefit only the fiat system and they are not cryptocurrency friendly.
We need a Bank where money can go to a cryptocurrency account and make transfer easy, cheap and without complication. Traditional Banks have massive lack of these services.
Cryptocurrency are becoming higher force, more people entering. They need infrastructure, Banks relate services in the space.
Links.
https://bankera.com
https://spectrocoin.com
Awesome bro... you done a great homework... thanks for sharing the info... its so usefulness...
Thank you @kuyagambit..
I really don't see the point of Bankera as its literally placing a bank on the blockchain where Banking mechanism are "centralized" systems. So having a centralized system in a decentralized ecosystem ?? Doesn't really sound right.
Good one, can you draw a comparison between this and crypterium? Am curious
Did a quick read on crypterium.
To my understanding;
No other bank licences other than in Estonia only.
Its a Mobile payment proccessing for crypto people, something like apple payment or samsung payment. Paying using cryptocurrency to fiat. Thats the bread and butter of crypterium.
Cant provide loan, no savings account and current account. They are outside the traditional banking world.
Owning token getting paid dividen(token holder benefits) monthly. Nice thing about crypterium.
But Bankera give weekly.
They have been talking mostly about mobile payment.. i dont think they r bank.
Thats my humble and a newbie opinion... i could be wrong... hahahaha...
Still learning..
No worries, I found similar thoughts on it too but could not dig further because I was looking at many others. Not easy to manage the portfolio. We should do like a crypto meet up in KK hahah
Ya i agree.. but my humble opinion.. bankera should be a good investment.. for long term.. nit short..
I do agree with @bitrocker2020 on this one. The bankers creating funds, and they don't want their piece of cake gone when the new world order come into existance with decentralize system. They are the big silent whales. Do you really want to invest in bankera?
However, great job @dilresh for doing the research. It shows that you know more than me now. HAHAHAHA.
For investment.. i surely would. you get to keep ur coin.. earn interest (js like how u keep ur money in FD)earn on interest.. can change into fiat currency.. cheaper and faster... can use its card to do payment..
And when time is right sell emm.. n b rich...hahahaha
Lets see how it goes by mid 2018..
Another news u should read.. its about Sbank in Russia. Sberbank is the largest bank in Russia and third largest in Europe. Majority-owned by the Russian government.
Planing to start trading cryptocurrencies outside Russia.
serve clients in what is a popular market(cryptocurrency) for some investors. U need eccess to market... So i think for now Bankera, i would.
Link for Sbank.
https://news.bitcoin.com/sberbank-bypass-russian-regulations-trade-cryptocurencies-overseas/