Quote from: Nawaf on February 15, 2018, 12:59:38 AM

Hello,

Can Someone explain this if they are not a scam?

I almost sent my ETH after I done my research but what got my attention why a bank as it is called offering exchange and BTC card need this much of capital Huh

we are talking billions here and the in their roadmap it said by 2019 maintaining a license then what if the license is not granted ??

why they have location or office in the UK that was mention on their website and as reported by people it does not exist !!

They are reported to operate from a poor side of Europe that for this much money they are rasing from the ICO can buy the whole part of that country !!

Thier ICO is running for a very extended period of time and their Telegram has no option to chat with management !! only to read their messages only !!

very high circulating supply with no total or max supply !!

Github has not been updated by the developer for very long time !!

I just feel there is to many Red flags here !! I might be wrong so please enlight me, an ERC20 coin that can be bought on their in-active exchange yet with no option to withdraw your ERC20 coin immediately like most ERC20 coin ICOs,

Things do not add up at all here.

Hello,

SpectroCoin has been operating for almost 5 years, and it does that under EU and Lithuanian directives. If illegal activity is detected, we cooperate with responsible authorities. We must and we do follow the regulations.

If you take a look at our official channels you will find that
"We want to increase Bankeras scale, in order for it to be able to compete with traditional banks. The volume [177 MLN EUR] is needed for Bankera to become a proper Bank; as it is all about scalability and banks scalability depends on its capital. It has to have 15 to 20% of its own capital of all loans outstanding in order to be successful and to achieve a scale. Lets do some math: if we have 100 in million capital, the bank can loan 500 million, which means 5000 Euros in loans each for 100,000 people in case of overdrafts or 250,000 Euros in loans each for 2000 people in case of mortgages. So, it is not a significant amount."

Also in our blog, you can find: https://blog.bankera.com/2017/12/15/bankeras-total-token-supply-explained/

And in all our official channels you can also find that you will be able to withdraw BNK tokens as ERC20 or NEM mosaic in the future, after the ICO.

The Telegram channel in only for announcements, but you can join the discussions on our community chat: https://chat.bankera.com/channel/community. There are also channels in different languages, if you prefer.

Facebook: https://www.facebook.com/bankeracom
Telegram: https://t.me/bankera
Chat: https://chat.bankera.com/channel/community
Blog: https://blog.bankera.com/
LinkedIn: https://www.linkedin.com/company-beta/25000232/
English Twitter: https://twitter.com/Bankeracom
Japanese Twitter: https://twitter.com/BankeraJP
Brazilian/Portuguese Twitter: https://twitter.com/BankeraPT_BR
Twitter for Arabic speakers: https://twitter.com/BankeraAR
Turkish Twitter: https://twitter.com/BankeraTR
Spanish Twitter: https://twitter.com/BankeraES
Chinese Twitter: https://twitter.com/BankeraCN
Korean Twitter: https://twitter.com/BankeraKorea
Weibo: https://www.weibo.com/bankera
WeChat: OfficialBankera