I'm trying to make a Spectrocoin deposit in Ether Classic, iExec. Instead of the wallet adress to replenish, it shows me the following error:

"Some errors occurred:
Can't get deposit address. Please contact support"

In the tech support chat I was asked to contact ShapeShift myself. Banker - if you accept payments through ShapeShift, and it doesn’t work for you now - why is this my problem? It's your problem! I, what would make MY money to YOU, also should solve technical problems for you? This is ridiculous. This is not a business, not a bank, but a kindergarten of some kind! Fix your system. Or ShapeShift, too, began to suspect you of fraud? Why this problem?

According to unofficial data, Banker was interested in the possibilities to obtain a license from the Bank of Lithuania, but was not endorsed as it did not collect details on the identity of investors in ICO Banker

https://www.vz.lt/rinkos/2018/09/21/mokejimu-istaigai-ir-jos-vadovui--12-mln-eur-baudu#ixzz5T0jPZ9ZB


Spectro Finance, headed by Mr. Karalevicius, also affiliated with the Spectro Coin cryptanalytic exchange, did not submit the last year's financial statements to the Center of Registers. The company employs 36 people.
That above will be delivered soon i guess

Given the crypto/blockchain background of this project, I don't think it's a stretch to take it to mean crypto-centric exchange. Spectrocoin's platform was already operational during the ICO and so was the (trading) exchange demo, which any ICO participant could test drive. I don't see any kind of misleading or obfuscation there.

Why is the exchange suddenly a problem anyway? It's a revenue generating mechanism that benefits all token holders.

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 Bankera’s services before participating in the ICO."

Section 5, about banking

" Licensing is one of the key assets of financial institutions. Currently, Bankera’s management team has obtained a payment institution’s (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 Bankera’s 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.

Hello,

We never said other companies would pay for the WR. The WR is paid from Bankera products, not by the companies who help providing these products. Bankera already has a narrow banking license (EMI license), which is sufficient to offer most banking services.

Hi and thank you for your welcome!
The rest is waiting for the project to evolve. That's is something i was waiting on also and i was a big supporter. But as it turns apart from the exchange which they are supposedly building there is nothing really done for the bankera project.
The exchange was never in the original whitepaper and all the things they did promise in the whitepaper are done by companies which aren't bankera. They promise those companies will al be part of the "eco-system" but after a year we don't receive any wr from any of those.

In the meanwhile the cards are out, the IBAN isn't working anymore, CMC situation isn't resolved, the new website has many shortcommings and they are receiving fines by the authorities. And if one asks hard questions about in on their chat or reddit. the posts get deleted or the people get banned or muted. So yes I can understand that people are getting worried. i'm getting worried myself also now.

futhermore i welcome Spi, Scrooge, jimmy, monty-moo, boschen, ikikyabut, bitpuppy, holdingbags, albrcool, ironrand, massimo72, brandonlang95, djinxi, bnkbuyer and many other which i forgot to join me here as this seems to be tha last place where we can have an honest discussion without being sensored by BNK.

@bankera please answer the question. Did bankera apply for a banking license yes or no?

just quoting the whitepaper...

Hi and thank you for your welcome!
The rest is waiting for the project to evolve. That's is something i was waiting on also and i was a big supporter. But as it turns apart from the exchange which they are supposedly building there is nothing really done for the bankera project.
The exchange was never in the original whitepaper and all the things they did promise in the whitepaper are done by companies which aren't bankera. They promise those companies will al be part of the "eco-system" but after a year we don't receive any wr from any of those.

In the meanwhile the cards are out, the IBAN isn't working anymore, CMC situation isn't resolved, the new website has many shortcommings and they are receiving fines by the authorities. And if one asks hard questions about in on their chat or reddit. the posts get deleted or the people get banned or muted. So yes I can understand that people are getting worried. i'm getting worried myself also now.

futhermore i welcome Spi, Scrooge, jimmy, monty-moo, boschen, ikikyabut, bitpuppy, holdingbags, albrcool, ironrand, massimo72, brandonlang95, djinxi, bnkbuyer and many other which i forgot to join me here as this seems to be tha last place where we can have an honest discussion without being sensored by BNK.

@bankera please answer the question. Did bankera apply for a banking license yes or no?

Please take a look at our blog post: https://blog.bankera.com/2018/06/04/bankera-is-proud-to-announce-a-partnership-with-an-electronic-money-institution-licensed-in-the-eu/