Quote from: qf3l3k on October 09, 2018, 05:24:27 AM

To be fairly honest, we can review original Whitepaper. I have this "bad habit" of saving documents when spending money on something.
I have Bankera's WP dated (saved on my PC) 20 August 2017, so means it's more likely first one from pre-ICO and ICO stage.

Here is link to it: https://we.tl/t-VLoN7LjZ62

From the roadmap we can see that Bankera (not partner companies) should do following: "Mid-2018 Establishing EU regulated bank".

Section 1, intro

"We encourage supporters to try Bankeras services before participating in the ICO."

Section 5, about banking

" Licensing is one of the key assets of financial institutions. Currently, Bankeras management team has obtained a payment institutions (PI) license and is authorised to operate in all European Economic Area (EEA) regions. Bankera expects to obtain an electronic money institution (EMI) license before the ICO, to have a solid foundation in place to provide the planned services except accepting deposits and offering investment products, which will come later."

Section 9, timeline

" In terms of revenue streams, Bankera will initially focus on core banking activities such as lending and payment processing, following the establishment of an EU banking license. The next product option that Bankera will introduce will be low-cost investment options for clients via EFTs. Eventually, the bank will offer a full range of investment services including trading, custody and investment banking services for its clients. Bankera will also offer robo-advisory based wealth management services for its clients."

" The preliminary timeline is: pre-ICO by the end of August, the launch of the minimum viable product with working IBAN and payment cards support by mid-October, a start of ICO preparations by late September, the end of ICO by the beginning of November. Bankera will offer advanced payment processing solution by summer 2018. Applying for a banking license by autumn 2018. Getting banking license in EU by late 2019. Starting deposit and lending business by mid-2019 (initially from Bankeras capital)."

I didn't see (at quick look) any mentioning that Bankera will use partners with licenses, etc.
Whitepaper refers to Bankera as main entity obtaining all licenses required for proper functioning of hybrid banking institution.

It's been clearly said that Bankera will apply for banking license.

Now we can confront original Whitepaper with current one and statements from Bankera project.

Solution to get all clarified might be face to face meeting with board.
ICO is form of investing, so investors meetup is nothing unusual.
That way we could confront board with facts and see what they say.

Suggestion to Bankera

Because lot of promises has not been met as well as you not providing proper feedback and banning people asking right questions you should consider buy-back program, where you buy back tokens from ICO investors paying ICO price. We bought into different idea and project, described in original whitepaper and it doesn't seem it is being delivered as per original promise which made us invest.
Oterwise, it might turn into official legal battle. Not sure if people you mentioned in Whitepaper (EU officials) are willing to be involved in this type of "business".
Basically we invested in Bankera as product and future company and now money is being distributed amongst child companies which, I would assume, are not even own by Bankera, just by same people running those project/companies separately.

PS.
I did try Bankera services, as advised in intro. Had virtual credit card, then Bankera (SpectroCoin in fact) cancelled it because WavesCrest cancelled agreement with them. Support said that in 2-3 months I will get new virtual CC, once they will have partnership with new card issues. That was about 6-7 months ago and of course as we can imagine, replacement card never showed up.

Thank you