You might be JAILED for such unauthorized and FALSE information you talk. Currently you are slandering person, which is very weak to do. Why?
1. I use Spectrocoin (Real company with real product and very popular in Europe, Vytautas is CEO also) over 2 years. Accumulatoed over 40 000 EUROS and NEVER had an issue with it. I also have Spectrocoin cryptocurrency payment card. So It is not SCAM and never been, fully tested I and minimum 5 of my friend also. In fact - Spectorcoin is highly recommended by major numbe of it's users.
2. You are stupid enough, if you think Bankera is a scam, they Just got E-money License from Central Lithuanian BANK. So for this time Bankera is one of the most advanced project going on market. Also - they aquired A REAL F*CKING BANK with over 120 workers already (For source google yourself you moron, You do not deserved I give you links).
3. Get more into project and you will see it is one of the finest and highest quality project you will ever see. Oh, sorry, you don't do analysis. You do only talking and shit.