Bankera

VISION

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 equity 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 equity 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.

ROADMAP

DEVELOPMENT OF IT INFRASTRUCTURE

Completed

The required IT infrastructure to facilitate payment processing and issue personal IBANs or payment cards have already been developed and are available as a minimal viable product (MVP) in the form of SpectroCoin.

PRE-ICO

August 28th - September 28th

10% of the tokens will be distributed to determine the price of the ICO.

E-MONEY CAPABILITY

September-October

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

mid-October

30% of the tokens will be distributed to solve the capital issue so that we can build a successful bank for the blockchain era.

BANKING CAPABILITY

early 2019

After the ICO, a banking license will be obtained. This will allow us to offer loans and deposit services.

INVESTMENT SOLUTIONS

late 2019

The launch of services related to low-cost investment solutions such as equity traded funds (ETFs), cryptocurrency and crypto token funds as well as robo advising.

NEW TYPES OF MONEY

2020

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 pre-ICO will be launched to determine the hardcap (how many tokens to be issued totally) for the ICO, only 10% of the tokens will be distributed during pre-ICO. The HARDCAP during pre-ICO will be 2.5bn Bankers (BNK) tokens.

On the 28th of August 2017 at 12PM London time, Bankera will launch its pre-ICO to distribute 10% of the token supply to determine the price and HARDCAP (the total supply of tokens) for the ICO. The price of a token during the pre-ICO will be 1 euro cent (there is no minimum purchase amount), and the price during the ICO will depend on the total number of tokens issued during the pre-ICO according to the table below:

BNK issued during pre-ICO EUR per BNK rate during ICO
0-499,999,999 0.012
500,000,000-999,999,999 0.013
1,000,000,000-1,499,999,999 0.014
1,500,000,000-1,999,999,999 0.015
2,000,000,000-2,499,999,999 0.016
2,500,000,000 0.017

The pre-ICO will be conducted at SpectroCoin exchange, so to be able to participate in the Bankera's pre-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.