As mentioned in their white paper, 2020 they are hoping to apply for banking license. So yes, to those wanting to make a quick buck...this isn't for you. This is a long term hold, 3-5 years.

Once crypto is widely adopted, that's when projects such as this will take off. I invested because I want Change to be my personal bank of the future and somewhere I can trust to bank with.

Have faith, have patience.