The exchange was never in the original whitepaper
That's not true, the exchange is first mentioned on page 4 in the whitepaper:
The aim of the ICO is not to test a speculative idea, but to provide the capital to enable Bankera as a
product to expand its existing services to compete with existing banks as an equal
across all areas of operation including payments, lending, currency exchange, and investments.
This is totally incorrect! This was confirmed and then reaffirmed by Bankera's own founders. The exchange was not in the original roadmap and subsequently added because they had a change of direction. When did you come to the party?