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.
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 440,000 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.
30% of the tokens will be distributed to solve the capital issue so that we can build a successful bank for the blockchain era.
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.
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.
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|
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.
Vytautas is currently completing a Ph.D. in Cryptocurrencies at KU Leuven University in Belgium. Prior to that, he received an MPhil degree in Finance from Cambridge University. He has interned at Bloomberg (London office).
Mantas has more than eight years of experience in managing operations and compliance for electronic and digital money exchanges. He holds a bachelor's degree in Economics and master's degree in Finance.
Justas has nine years of experience in developing software for medium and large financial institutions as well as five years of experience working with blockchain technology and cryptocurrencies. He is an expert in P2P technologies and holds a master's degree in Information Systems Security.
VP for Business Development
Craig has experience in the payment processing industry including three years at Skrill (now a part of the Paysafe Group) as a senior business development manager.
Susana, a User Experience and User Interface designer, is currently working on both the SpectroCoin and Bankera platforms. Before Spectro Finance, Susana worked on designing or completely redesigning social networks for startups. On occasion, she has also worked as a graphic designer.
VP for Business Development
Egle has 3+ years of experience in business development from the e-gaming industry. Before entering the corporate world she worked at the European Parliament.
VP for Marketing
Ruta is a B2B and B2C marketing expert with experience in both the corporate and governmental sectors. Before coming to Bankera, she has accumulated knowledge in social media, SEO, project management, and sales while working for a startup based in Brussels, the US Embassy and the Lithuanian government.
VP for Communication
Tse-Hsin is an expert in digital marketing, especially for financial services. She gained her SEO and social media experience while working as a leader of the SpectroCoin marketing team. While living in the USA, Taiwan and Belgium, she gained superior knowledge from each of these markets.
President, NEM.io Foundation, CEO, Dragonfly Fintech
A serial entrepreneur with more than 30 years’ experience, Lon is a blockchain thought leader and heads the NEM blockchain project. He is particularly interested in designing blockchain solutions for the financial industry at large and helped developed NEM to be a leading financial blockchain solution today.
Member of European Parliament
Also known as TonyG, Antanas is a serial entrepreneur and a well-known poker player. He is actively participating in political discussions regarding cryptocurrencies and cyber security.
Member of European Parliament
Eva is a chairman of the European Parliament’s scientific foresight unit. She is highly interested in topics related to Financial Technology, Blockchain, decentralization, and artificial intelligence.
Audrius has been involved in banking for more than 20 years. He’s well known in financial services as long-term executive director of Skandinaviska Enskilda Banken (Lithuania) and top executive in Šiaulių Bank. Audrius publicly acknowledged for extensive knowledge and professional insights into M&A sector, banking operations and strategies.
Tax partner at TaxLink (Correspondent of Mazars)
Modestas is particularly interested in the trends of cryptocurrency taxation worldwide and blockchain utilisation in taxation and public sector. Modestas has been Director General of the State Tax Inspectorate (STI) in Lithuania (2005-2014).
Founder of BitcoinChaser
Marc has been involved in Bitcoin since 2013 and has 18 years experience in online marketing. He is one of the world’s largest cryptocurrency affiliates and the founder of the BitcoinChaser website and community. Marc is a regular speaker at conferences around the world and contributor to industry leading publications.
Process Mining Expert
Jochen is an assistant professor in information systems, data analytics and business process management at the Faculty of Economics and Business of KU Leuven (Belgium). He is actively involved in research on the topics of process mining, applied data mining, cryptocurrencies, and learning analytics.
CEO of Rate Detective
Damon is the CEO and founder of Rate Detective, one of Australia’s largest financial comparison sites. Damon is also an expert in machine learning and econometrics. Damon has a strong understanding of financial services and internet companies.
Warren is an expert in public relations for online industries. His most notable role was head of PR at PartyPoker but he has also had similar roles at Ladbrokes, Sky Sports, and even worked in politics for Rt Hon William Hague MP, the former leader of the opposition and Foreign Secretary. In January 2012, Warren was awarded the European Staff Person of the Year in the poker industry.
Eugene is the head of the Sydney Data Science group (2,000+ members), the Sydney Users of R Forum (1,500+ members), and Datapreneurs (400+ members). Eugene also applies data science to an entrepreneurial setting, financial trading and online start-ups, and is the creator of ggraptR, an interactive visualisation package in R.