Bankera, a new digital bank? Let me doubt it.

Reading their white paper:

https://bankera.com/papers/Bankera_whitepaper.pdf

"Bankera is building a digital bank to last"

Building a digital bank that has not yet obtained any banking license. And I like the sentence "to last". Thanks.

"There are three core elements to ensure success when building a bank: capital,
technology and compliance"

-Capital would of course be provided by investors in the ICO

-Technology: "Most of the technology required for successful operations for Bankera is already
developed and will be ready for testing as a minimum viable product prior to the ICO. "

But they do not provide any proof of that, so it's a question of faith.

-Compliance. What does it mean to setup a bank based on compliance?. And they only mention that " Bankera will develop an extension for its KYC and fraud screening technologies"

So how are they building the bank with these three pillars:

Don't laugh! It is serious, it is published in their white paper (page 10).

Finally, they mention that the success of the new bank, will be based on the experience of Spectrocoin:

But there is no way to check it, as the company does not publish its financials.

All in all, I cannot understand why any person would trust this project with the information available.