All of them are SCAMS !!!!  Nobody is using spectrocoin any more because of ridiculous fees and crappy service. There are hundreds of other much more better similar services. Bankera exchange is just a useless website which is showing around $45 trading volume daily.... Nobody is using their shitty loans because there are illegal.Also there are already many companies that are offering legitimate and much more cheaper crypto loans.  All this shit was made just to convince investors that bankera is doing something . In the fact they did absolutely nothing, but stealing the astronomical amount of money collected during their ICO. OK let me guess.. How much does it cost to launch a crypto exchange? Not more than 20 BTC for sure. How much does it cost to launch an online crypto lending platform? Not more that 10 BTC for sure. Now lets calculate....

ICO collected funds = 120 000 000 USD

Spent amount for Exchange and Loan service = NOT MORE THAT 30 BTC = 300 000 USD !!!

Stolen amount = 119 700 000