We have made it clear both in our White Paper at the road map section as well , as with any incoming inquiries  that we are not a bank - we are a marketplace.

We do not offer any services from the Change app - all services are offered by our marketplace members.

ICO investors are expected to do their due diligence -  a simple look at our website will reveal this the same with an inquiry on any the media where we are active - such Telegram , Slack. hope this helps