Hey, please let me know the difference of the scheme with bitconnect.

Bitconnect was ponzi from day 1. Here they are trying to achieve something completely different, but I won't give them a satoshi because BANKERA === Spectrocoin.
"Zepher == The person behind Bankera is the same person behind Spectrocoin, who have stolen in excess of 200 BTC from users by locking their Spectrocoin accounts and stealing their balances. They don't even deny that they have done this. I would be very wary dealing with this or any company that is a part of Spectrocoin."