I'm following the ICO of Crypterium and now following her collapse in the coinmarketcap. The main point is to take into consideration that the idea of bank, goes primarily against the fundamentals of any crypto. It is very ambiguous to believe in crypto-coins in your concept and also to believe in the idea of putting them in a kind of bank, when the original idea is of you being your own bank and thus having independence of intermediaries.

I think even at the speculative level, that currency is good for doing some trades and such, but I do not believe in the essence of this project, at least for an hour, related to cryptobank. I am a disciple of Satoshi and in his paper, this idea goes completely against.