"This infrastructure is made up of 5 main enterprises: a universal trading platform (UTP), a
payment system, a bank, an investment bank, and a marketing agency, all of which will
work with both cryptocurrencies and fiat money."
I like the idea. It looks prospect.
But you have a very long-term roadmap. What if you don't reach your max goal? I wish you success! But it happens very often.
What's the minCAP?
Do you have anything working already?
ICO projects are made for making good ideas which need a lot of money. Here is example of how big money can make bigger money
good point for the last year dude. Now good projects should have at least something