I can repeat what i have told already,i am happy customer of spectrocoin,i am using his exchange and visa prepaid cards both virtual and plastic,service is great,i can load ,unload and load card at any wallet in internet,it is posible to buy gold even,if thay get ,Bankera will have much more customers whan thay will accept token,Spectro already is licenced company,so if you want legit ico it is for you,but if bankera will obtain banking licence and will offer all that kind services like etf hedge,loans,investments.That kind of global blockchain bank is very much needed,it that global it world,any countries need service like that

So read,not be hurry,and decide,dont invest money what you cant affort,dont care about trolls what are posting negativities about spectro,it is multiply account,best is to give them nagative rank and report to moderator,it is to much with them