Firstly, Bankera is at least one year ahead of other similar projects. We already have IBANs for SpectroCoin customers (IT and regulatory infrastructure will be a 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, we will also issue loans by taking cryptoassets as collaterals. Add to this, remittance solutions as a side-effect of withdrawal and deposit options. Last, but not least, we have a great team and advisor board that will lead us for the following years while most of our competitors are just running prepaid card programs.