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.
Faith comes from only when team is very active and giving updates about their progress and developments. Already there are many rumors crypto are widely adopted by the people but don't know how far can change company will reach their goals.