It's a very intesting read, would be interested to hear topic starter opionion about other crypto bank/payment related projects like Crypterium or Bankera.
I believe CRYPTERIUM is a stillborn child. There is nearly zero interest in this coin - because you can´t pay with it worldwide.
https://coinmarketcap.com/currencies/crypterium/That's actually the problem of the most crypto projects there is no real usage in a current time, and what they offer is just marketing and promises. So what we buy is opportunity and most of the ICO won't deliver with high probability.