New to Cryptocurrency Banking

Crypterium claims to be "The JP Morgan of Cryptobanks." On their website they report, "In 8 years’ time, the crypto-economy will exceed 10 trillion dollars. Cryptobanks will become a cornerstone in the relations between decentralized economy and future daily life by expanding payment infrastructure and possibilities, creating new cryptocurrency payments scenarios and lowering interest rates. Crypterium is a cryptobank creating the future, today."

Crypterium uses its own sort of currency known as "CRPT tokens" in order to facilitate transactions. What I find attractive is their reported ability to allow uses to pay with any cryptocurrency in 42 000 000 stores worldwide. This would seem to make many cryptocurrencies more like a true currency, rather than simply a holding investment. Those who buy into their initial offering now will get 10% extra tokens.

I am curious, for those who are knowledgeable, what is the legitimacy of this sort of program? Is this the future of digital banking? Would not taking advantage of the 10% bonus CRPT tokens be a mistake?

Their website can be found here: https://crypterium.io/