Nothing new - this project is just second Estonian-grounded project simply extending ideas of previous Estonian digital Polybius bank, which first proposed idea of blending banking services with financial marketplace. The slight difference is that Polybius team was shy to mention cryptos in conjuction to banking services, but these guys dare to do it.
As far as it concerns crypto accounts and crypto-nominated debit cards - there are hundreds of such start-ups and even well-established companies like MonacoCard, Coinsbank, UQUID etc.

Economic model is also weak - in WP they promise to distribute only 10% of annual income to tokens holders and try to sell only 40% of token supply for near 50mln. For instance, Polybius bank engaged to distribute 20% of annual income for all tokens, from which 93% are sold to public. Thus from financial perspective Polybius token is 17x more attractive then CAG.

Given these considerations I restrain to participate in this ICO and not recommend anybody to engage in it.