Bankera - Judging from their website I believe they need to acquire a banking license. This will function more in a centralized way. Nothing is wrong with that but it is completely different to Wanchain that aims at being a decentralized and distributed financial market - offering concept-of-privacy (privacy protection of users) as well as incorporating secure transactions between other blockchains. In order to verify transactions and run the ecosytem, miners will stake a percentage of their WANCOINS (the platform token) to run a verification node.

Change - not too familiar with this so I will read up on it and give you my input on the differences.