Here is very important document: http://www.fi.ee/public/hoiatusteated/20170606_Hoiatusteade_Polybius.pdf

Translation: https://translate.google.pl/translate?sl=auto&tl=en&js=y&prev=_t&hl=pl&ie=UTF-8&u=http%3A%2F%2Fwww.fi.ee%2Fpublic%2Fhoiatusteated%2F20170606_Hoiatusteade_Polybius.pdf&edit-text=

This shows that marketing is stronger then sober thinking.

A real banking project has to have real experience, with at least Payment Institution license with confirmations of that. Hope, soon, there will be a project that will bring a legal solution with full transparency. Not only marketing.