Bankera, a blockchain-based banking project, has released the detailed terms of its Pre-ICO campaign, aiming to disrupt the traditional financial industry through a fully regulated digital bank. The pre-sale of Banker tokens, representing 5% of the total supply, will commence on August 28, 2017, on the SpectroCoin platform. The sale is designed to determine the final token price and hard cap for the upcoming main ICO.
Background and Infrastructure
Launched in 2017, Bankera is an operational fork of SpectroCoin, a well-known cryptocurrency exchange, e-wallet, debit card, and payment processor. SpectroCoin had already built core banking-grade infrastructure to remain competitive, including KYC/AML systems and payment rails. Bankera leverages this existing technology to create a fully regulated bank that supports both fiat currencies (via personal IBAN accounts, interbank forex rates) and major digital currencies such as Bitcoin, Ethereum, DASH, and NEM.
Three Core Pillars
Bankera’s services are organized into three main areas: Retail Banking offers payment accounts with personal IBANs, debit cards, and payment processing for both fiat and crypto; Business Instant Settlement utilizes proprietary fraud detection and KYC solutions to automatically settle cross-border payments that traditionally take weeks; Low-Cost Investment Products include exchange-traded funds (ETFs) and crypto-funds denominated in “baskets” — a concept proposed by Nobel laureate Robert J. Shiller — to help consumers hedge against inflation and keep their capital efficiently deployed.
Regulatory Status and Advisory Board
Bankera states that it has already obtained the necessary regulatory approvals and IT arrangements. Its advisory board includes Lon Wong, president of the NEM.io Foundation, and Antanas Guoga (Tony G), a member of the European Parliament and famous poker player who actively advocates for blockchain in EU policy. Guoga commented, “Bankera will enjoy the first-mover advantage, being operational at MVP level before its ICO.”
Token Economics
During the Pre-ICO, purchasers of Banker tokens will receive a weekly referral commission equivalent to 20% of Bankera’s net transaction revenue. The pre-sale is hosted on SpectroCoin, where users can already test the minimum viable product. Bankera aims to engage the community in price discovery before the main token sale, ensuring a fair valuation and sustainable ecosystem growth.
For more details, visit the official website: http://bankera.com