Yes utility token is the correct assessment.

To explain how the value will be created -  The currency will become the payment currency of choice for services on our platform in the lon run. But before we get there we wanted to
minimize risk for our investors by including using proven kripto arbitrage strategy in our kriptel.de arbitrage fund that ensures regular profit  payouts (dividends) right from the first day. - in form of buybacks - So token has value right from the start no need to wait to finish development. And as we put online more products more profit will be payed out in such way - first yearly later we want to do it monthly.

As we reach a mobile banking app launch date - an exchange will be integrated in the app - so if you want to purchase some service on our platform (added functionalities, advisors, etc..)  with eur or bitcoins for example - they will be converted in to MRP tokens first and then sent.. this will create a steady demand on the tokens and therefore making them more valuable in the long run. So regular demand - and regular buybacks with burns from us should create good conditions for investors and those who will accept MRP as payment currency.

Regarding minimum contribution is up to you to decide we don't draw lines here - everyone is welcome. But Keep in mind 15% bonus will not last forever.

New markets? for now our target market in first years is definitely Europe as legislation is good to us and there is good market share to be seized. Also having licenses in one eu country allows you to operate in all eu countries.

Let me know if you'll have any further questions.

Regards,