All WRs have been paid (also for the last 4 weeks) as can be seen at the official blog: blog.bankera.com
The loans service has been updated and now one can get a small loan of up to 8.500 without
KYC/verification. You can check it out at loans.bankera.com. There will also be a blog entry about the update
and other stuff on Monday.
Why can't I use BNK as collateral?

Will you get a reply to your valid question?
The whole thing looks like a mess to me, I am not impressed with the Spectrocoin/Bankera projects.
I would like to read what they say about collateral because you make a valid point.