I just wanted to point out things, which seems that nobody cares about, but still they are very, if not most important from investor point of view. Idea is worth nothing if it is not implemented in reality. And I can`t imagine, how do you plan to implement this.

Yes, I have experience in investments - I have already supported some projects, but until now not yet through ICO, (and I also do not plan to in near future, since things here are not clear enough and not regulated at all and therefore to risky), always directly and with condition to get share in project and future profits.  I am just follwing, what is happening in this area and since I am from Slovenia too, you got my attention. My oppinion is, that ICO is more appropriate for small investments, few 100 EUR max., more for fun than to expect real results and is more donation than investment, similar as on Kickstarter and similar platforms. And this euphoria in last months is just not normal, people are forgeting on really important things or are totaly uneducated investors and this will not have happy ending for most of them - this is just my oppinion and I do not expect that you will agree with me.

Regarding PSD2 you will see what will happen in future. It would not be for the first time, that some directive would not be localy or even on EU level fully implemented, because practise shows that sometimes full implementation of theory into practise is just not possible. I do not now how can somebody expect that banks will invest in some APIs to enable communication with external providers. This means upgrade of whole core systems which is connected with huge costs and still there would be a lot of complications. Not to talk about operation risk management issues and protecting sensitive and personal data regulatives.

As I already wrote, I wish you all the best. Please just be more carefull in marketing - I strongly advice you, to include some disclaimers. It could be very good for you in case if something goes wrong.

I am eding this debate with this post.