WHY BANKERA IS BEST INVESTMENT OPTION?

What is Bankera?

Bankera is building a regulated bank for the blockchain era, which means that it will be a digital bank with traditional banking services (e.g., giving out loans) and will support both cryptocurrencies and fiat currencies. 

Now, Bankera is launching an initial coin offering, which starts on November 27th on the SpectroCoin platform. The offering will be virtual currency-tokens known as Bankers (BNK). We already have a minimum viable product (MVP) via SpectroCoin, so YES, you can already try out the services and products! All you have to do is register at SpectroCoin.com!

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How is Bankera different from other crypto wallets?

Bankera is one step further than any cryptocurrency exchange as it will offer proper banking solutions, such as IBAN accounts, payment cards and payment processing; not only for cryptocurrencies but fiat as well. However, for Bankera, crypto comes first. Therefore, innovative solutions such as taking cryptoassets as collateral for loans will be offered. 

Most importantly, Bankera will offer loans and deposits to allow its clients to get interest rates on their holdings or to borrow at a preferable rate.

How is Bankera's ICO different from other ICOs?

Firstly, Bankera is at least one year ahead of similar projects, which are mostly running prepaid card programs only. We, on the other hand, already offer IBANs to customers through SpectroCoin, our minimal viable product (MVP). Having an operational MVP allows us to pay a transactional revenue share to our clients weekly and as well as providing the IT and regulatory infrastructure base for Bankera. Secondly, Bankera will be a proper crypto + fiat wallet from day one and will evolve into a bank within 1-2 years. Thirdly, we will offer actual banking services such as loans and deposits and, as a side-effect of withdrawal and deposit options, remittance solutions. Last, but not least, we have a great team and advisory board that will lead us through the following years.

Is Bankera a startup?

No, Bankera is an operational fork of SpectroCoin, a fully functional exchange, wallets, and payment processing platform with 50 employees, more than 400,000 users (individuals and merchants), 63,000 cards issued, and all the necessary IT infrastructure. Bankera needs a capital reserve to be able to scale up as a bank and issue a significant volume of loans.

What will be the difference between SpectroCoin and Bankera?

SpectroCoin has already introduced products such as currency exchange, debit cards, and IBANs, to name a few. However, in order to stay competitive in this area, we see Bankera as the natural extension and evolution of SpectroCoin, which will build bridges between the crypto and fiat worlds. 

At the start, all development will be aligned with SpectroCoin, but eventually, the developments will happen under different brand names. SpectroCoin will remain as a leader in providing wallet and exchange services for cryptocurrencies; while Bankera will focus on banking solutions and efficient payments.

Why an ICO?

The aim of the Bankera's ICO is to provide the capital that will enable Bankera, as a product, to develop a bank and to compete on equal terms with existing banks. In order to do so, we are pursuing multiple licenses, which will allow us to offer instant cross-border transactions, payments and currency exchange at lower prices, as well as loans and investments. 

We believe that ICOs should serve as a long term-project, which would allow us to build the fundamentals for a solid product and at the same time create a strong community with mutual interests.

Are there any geo restrictions?

At the moment, Bankera services will not be available for citizens of the United States of America due to local regulation. Bankera, as a blockchain, does not have any other geo restrictions.

Where will Bankera be operating?

Bankera's aim is to bring banking solutions globally. Bankera will start offering crypto and fiat solutions for a variety of countries and later on, expand them to customers around the globe.

Where do I get tokens?

You will be able to get tokens after the start of the ICO - on the 27th of November 2017. To get your BNKs, you have to open an account at SpectroCoin.com. You can sign up here. Don’t forget to fund your wallet in advance!

Which currencies can be used to buy tokens?

You can buy tokens with all the currencies that are supported by SpectroCoin. Choose from a wide spectrum of crypto (DASH, BTC, ETH, XEM) and fiat (EUR, USD, GBP, and many other) currencies.

What is the minimum BNK purchase during the ICO?

There’s no minimum amount, everyone is welcome!

What is the SOFTCAP and HARDCAP for the ICO?

The HARDCAP for Bankera's ICO is 7,500,000,000 BNK worth 152M EUR. We will also have SOFTCAPS during the ICO – after each 1,000,000,000 BNK sold, the price will increase by 0,001 EUR.

What is the Bankera token price during the ICO?

The starting price of 0,017 EUR per BNK token was set during the pre-ICO. The Bankera token price during the ICO will depend on the number of tokens issued, according to the table bellow:

BNK issued during ICO	EUR per BNK rate during ICO
0-1,000,000,000	0.017
1,000,000,001-2,000,000,000	0.018
2,000,000,001-3,000,000,0009	0.019
3,000,000,001-4,000,000,000	0.020
4,000,000,001-5,000,000,000	0.021
5,000,000,001-6,000,000,000	0.022
6,000,000,001-7,000,000,000	0.023
7,000,000,001-7,500,000,000	0.024

What will happen with BNK tokens if they are not sold?

If we do not sell all 7,500,000,000 BNK tokens during the ICO, the remainder will be distributed pro-rata to pre-ICO and ICO token holders. For example, if 90% of theBNK tokens are sold by the ICO end date, the remaining 10% will be proportionally allocated to contributors of the pre-ICO and ICO. 

Since we do not have big contributors like other ICOs, unsold tokens will not be burned. Bankera's ICO already has a community of 16000+ pre-ICO contributors, so people who are interested in quick cash-out and in dumping tokens as soon as they hit the exchanges will not have a huge impact on our long-term goal.

What time on November 27 will Bankera's ICO begin?

It will start at 12:00 PM GMT (London time). During the ICO you will be able to get tokens on the SpectroCoin platform only.

Which blockchain will host the BNK tokens?

We will issue tokens on two blockchains: NEM and Ethereum, so there will be NEM mosaic and ERC20 tokens. However, for liquidity, we might burn ERC20 for the NEM mosaic.

Will BNK tokens be placed on any big exchange platforms?

Yes, BNK tokens will be listed on SpectroCoin from day one, and it will be listed on other exchanges later on.

When will BNK tokens be listed on exchanges?

It will be listed on other exchanges after the ICO.

Is there a bounty program?

Yes, there is! Click on our bounty program to learn more about it.

Will the referral program continue during the ICO?

Yes, the referral program continues during entire ICO period! Earn your Bankers by inviting friends to join Bankera! Get 10% from all the fees your referees pay at SpectroCoin. More information is just one click away – Bankera referral program .

What do contributors of Bankera's ICO get?

20% of the net transactional revenue share is paid weekly to BNK token holders. You can find detailed summaries of each weekly commission on our blog! 

Also, BNK tokens will be accepted as payment for Bankera services at a discounted rate. For example, you will be able to cover your monthly card fees with your BNKs.

Why is there a gap on the roadmap in 2018?

The period between the end of the ICO and obtaining the bank licence in 2019 will be used to develop a bank, advanced payment solutions for individuals and business clients, to release full support for smart-contracts, to improve the KYC and fraud screening solutions, as well as expand and build up the network of cash, bank, and other payment channels.

Why does Bankera need an SCO and when it will take place?

It is important for Bankera to enter the market with sufficient capital, to stay competitive with other banks. The ability to issue loans is at the core of any banking business. Due to regulations, Bankera is required to have 20% of all outstanding loans as capital in order to meet capital adequacy requirements. For example, if Bankera raised 100M EUR, it would only be able to lend out 500M EUR, which is far less than a small bank‘s lending capacity. 

The actual BNK token sale price will depend on the current prices on exchanges. The BNK token price will be equal to current prices on exchanges, but it will not be lower than 0.1 EUR per token. More detailed information about SCO will be provided in the future.

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INVEST HERE

WHY INVEST IN MINIAPPS : ICO?

Why MiniApps?

Link CLICK HERE

MiniApps.pro is the new generation chatbot platform built around the concept of decentralized network of template developers, clients, hosting providers and partners. It is a platform with API and web-constructor that enables quick creation and launch of mobile services and chatbots available via the Internet messengers and other channels like mobile web and USSD/SMS with support of AI technologies.

Chatbots have already established themselves as efficient channel in many communication systems and proved their value for business. However, chatbot development requires multiple skills and resources most small enterprises do not have.  MiniApps.pro goal is to aid small and medium businesses to integrate advanced Communication and AI technologies into their processes and benefit by expanding their market presence. Thank to MiniApps.pro, that reduces the costs of chatbot adoption and support, more than 100 million MSME around the world will get easy access to new generation of chatbots and improve the quality of their customer service.

Unlike most startups, MiniApps.pro platform is a commercially proven product with several successful implementations in corporate market.

Whitepaper:

https://tokens.miniapps.pro/wp/WP_MAT_ENG.pdf

Detailed review:

MiniApps.pro is the new generation chatbot platform built around the concept of decentralized network of template developers, clients, hosting providers and partners. It is a platform with API and web-constructor that enables quick creation and launch of mobile services and chatbots available via the Internet messengers and other channels like mobile web and USSD/SMS with support of AI technologies. MiniApps.pro makes new technologies like AI, NLP, FinTech and chatbots available to SME through the efforts of a global partners network. Unlike most startups, MiniApps.pro platform is a commercially proven product with several successful implementations in corporate market. The token crowdsale is planned to gather funding for fast business scaling by building worldwide partners’ network, further product development and marketing of the platform focusing on MSME segments and emerging markets like India, South-East Asia, China, Russia, Africa, Latin America followed by expansion to advanced markets.

What’s a cross-platform bot?

A cross-platform chatbot is a chatbot that works across multiple messenger platforms simultaneously. We currently support Telegram, Viber, Vkontakte, as well as Facebook and Skype through Microsoft Bot Framework. Once you create a chatbot on our platform it works on all mentioned messengers.

Why my business needs a chatbot?

Don’t get left behind in the messaging revolution and use chatbots for:

• Marketing: send news, events, product launches, coupons, etc.
• Customer support: chatbots can solve 80% of customers’ requests.
• Sales: accept payments from users right within your chatbot.
• Banking: need to develop a banking app? Try banking chatbot – its cheaper and users don’t need to install any apps.

Top reasons to use Miniapps

We’ve helped major companies to build and integrate chatbots into existing workflow. Here’s why you should consider us:

• Easy to use. To create a simple chatbot you don’t need to be a programmer, being an advanced user is enough.
• Rapidly growing with new features. We’re constantly bringing in features that we know will be useful for your business.
• First class support. Enterprise ready performance. Various levels of technical support and excellent performance under high load.

Features

• Google Analytics
• Integration with Google Analytics. All functionality available for web sites, are available for your bots. Real-time views let you know how users use your bot, demographics, language and location, etc.
• Natural language processing
• Integration with API.AI. Its functionality include Voice Recognition + Text-to-Speech + Natural Language Understanding. You can easily add conversational AI in a predefined Miniapps bot that has a menu.
• Visual Editor
• Create content without any coding. You can build bot structure just by typing your text content, the code will generate automatically. What you see is what you get.
• One API
• Once you created the bot, it works everywhere. All further changes are reflected on all platforms too. It tremendously cuts down costs on development and maintenance.
• Verification of chatbot users
• Verify users by phone number: via a dedicated phone number or via SMS. Verification can be performed at any step of your bot, by asking a user to call a provided number. The feature is easily added via Visual Builder.
• In-chatbot payments
• tiPay is our complete payment system for in-bot purchases. While connecting to an existing business model is a great way to monetize bots, tiPay allows to make your bot the sole source of revenue.

Advantages to clients (investors):

• One-time opportunity to become an investor with no minimum amount to invest
• Very strong, clear and innovative concept based on serious background and experience
• Powerful and highly-experienced team of project
• The product is live from 2016, it’s a commercially proven product with several successful implementations in corporate market
• ICO already raised more than 30% cap

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YOU MISSED BITCOIN?? WHY NOT TRY FIDENTIAX??

Why FidentiaX?

Link - CLICK HERE

FidentiaX the world’s first marketplace for tradable insurance policies, will be a membership-based ecosystem focusing on the key stakeholders:

Policyholders –Providing a liquidity alternative to existing policyholders through a transparent, fair and efficient platform which allows tokenization of their existing policies.

Buyers –Developing a trustless marketplace for buyers exploring tradable policies as part of their investment portfolio by leveraging on blockchain technology and its benefits to provide a secured transactional ecosystem. Our platform features will be designed and developed with these member stakeholders’ needs as a guiding principle. fidentiaX members’ platform will provide the following features depending on the membership category

  

Whitepaper:

https://www.fidentiax.com/webfiles/1510888503954/pdf/web/viewer.html

Detailed review:

FidentiaX, found online at FidentiaX.com, aims to be the world’s first marketplace for tradable insurance policies.

Today, a growing number of people are choosing to sell their insurance policies. You can sell your insurance policy to a third party instead of surrendering it to your insurer at a low value. This is particularly common in the life insurance world. Someone might grow older and realize they don’t need a life insurance policy. Their children might be well setup financially, for example. In this case, someone offers to buy their insurance policy for more than what the insurance company was going to pay for surrendering the policy, but less than what the final settlement will be.

There are some problems with this so-called life insurance settlement industry. FidentiaX wants to solve those problems.

What Problems Does FidentiaX Seek to Solve?

FidentiaX knows there’s a demand for an insurance marketplace where customers can buy and sell policies. However, there are some problems with today’s industry:

No Recognized Marketplace:

Currently, sellers struggle to find interested buyers. Buyers do not have access to available policies and are restricted by their region of residence.

No Assurance:

Buyers need to place trust in a secondary market provider. The current practice requires the buyer to pay in advance and trust that the policy will be transferred.

Troublesome:

Both buyers and sellers need to be physically present at the insurer’s office in order to transfer policies.

Policyholders Lose Money:

Policyholders face a challenge. They can either surrender their policy at existing cash value, as determined by the insurer, in exchange for losing their protection. Or, they can secure a fully collateralized loan from their insurer at an interest rate of 5 to 7% per year, secured by their existing policy.

How Does FidentiaX Work?

How does FidentiaX plan to solve the problems listed above? The company envisions a blockchain-based platform that facilitates a four-step transaction between insurance policy buyers and sellers.

The FidentiaX platform is built on a customized version of the NXT blockchain. Here are the four steps involved in a transaction on the blockchain:

Step 1) Listing:

Policyholders can list their tradeable insurance policies on the platform. Policyholders who want to make money from their policy will submit the policy to FidentiaX’s blockchain-powered platform, then gain access to ready buyers on the platform. Buyers can then browse the available policies and choose any policies that meet their investment objects.

Step 2) Offering:

Interested buyers complete the relevant documentation and deposit funds to the platform. Sellers will be notified that funds are secured, and then the relevant documentation is transmitted.

Step 3) Submission:

The seller, armed with the assurance that funds are in place, goes to the insurance company to complete the transfer of policy to the new owner. The seller receives documented proof that the policy has been transferred.

Step 4) Complete:

Sellers upload the documented proof of the transfer onto the FidentiaX blockchain. That proof will then be verified. Upon verification, documentation is transferred to the buyer while funds are simultaneously released to the seller.

FidentiaX Features

FidentiaX plans to offer the following features and modules available on the platform:

Policy Ledger:

The FidentiaX policy ledger breaks from the traditional reliance on intermediaries by creating a digital ledger for policyholders. That ledger consolidates and manages your insurance policies on a distributed ledger, creates an immutable record of your policies on the blockchain, and completes other blockchain-based transactions.

Listing of Policies for Tokenization:

FidentiaX will have a database of tokenized policies across the industry, including endowment, whole life, universal, key-man, investment-linked, annuity, and more.

Members Auction:

The FidentiaX members auction allows users to bid themselves a policy. Investors can use this feature to effectively add a policy to their portfolio as an investment strategy.

Marketplace for Tradeable Policy Purchases:

The FidentiaX marketplace allows users to browse available tradeable policies for purchase, or filter policies based on criteria like tenure, yield at maturity, amount, and more.

Custodian Services:

FidentiaX allows buyers to find custodian services – say, if they want someone to take care of a policy until it’s reaches maturity.

Portfolio Builder:

The FidentiaX portfolio builder is a bespoke service for buyers interested in customizing and building a portfolio of tradeable insurance policies. FidentiaX will provide professional services for that portfolio, including sourcing, validation, and the transfer of the desired policies.

Who’s Behind FidentiaX?

FidentiaX is led by co-founders Alvin Ang and Douglas Goh. Ang is a multi-disciplined entrepreneur with extensive experience in technology, engineering, banking, and insurance. Goh is a blockchain enthusiast with 15+ years of experience in banking, M&A, and fintech.

FidentiaX is based in Singapore.

The idea for FidentiaX began in May 2016. The concept and development of the platform took form throughout 2016 and 2017. The company’s crowdsale is scheduled for November 2017, with the launch of the FidentiaX Membership Marketplace occurring in February 2018.

The initial goal of the company is to build its brand within Asia before executing a global expansion strategy. Key initial targets include Hong Kong, Japan, Korea, Malaysia, and Singapore.

The FidentiaX Token Sale

The FidentiaX platform will use three different types of tokens, including tokens available in the crowdsale (fdX), currency representation tokens (eBTC, eTH, eUSD, etc.), and platform unified tokens (ISX).

The fdX tokens are available through the crowdsale. There’s a total of 100 million fdX tokens available through the sale. 1 ETH = 500 fdX throughout the sale, although bonuses are available on days 1 through 5.

The token sale was announced on October 16. Here are other important dates you need to know about:

• October 20: Start of private contribution round (pre-sale)
• November 5: End of private contribution round
• November 6: Start of public contribution round (crowdsale)
• December 5: End of public contribution round

FidentiaX Conclusion

FidentiaX is building an insurance marketplace built on blockchain technology. That marketplace aims to provide a more secure and convenient experience to insurance policyholders who wish to sell their policies for cash, or for anyone who wants to add insurance policies to their portfolio.

Today, there isn’t really a marketplace for insurance policy buyers or sellers – which is why FidentiaX sees an opportunity.

Advantages to clients (investors):

• One-time opportunity to become an investor with no minimum amount to invest
• Very strong, clear and innovative concept based on serious background and experience
• Powerful and highly-experienced team of project
• $1.1 mln already raised

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