One key point now is to warn people to stay away from Bankera, Spectrocoin, Pervesk and all related companies of this scammers.
Don't use them as it might cost you your funds. And if they ever should come up with a new venture also better stay away from it.

Yes, I believe some U.S. citizens participated in this scam ICO. They could bring SEC into play.

Bankera is simply a scam project. Everyone who got scammed by them should seek legal action.
The BNK token is clearly an unregistered security (major use of the token is the weekly revenue distribution - which
is basically a dividend being paid out. Even a report to the EU found that BNK is a security token:

https://eba.europa.eu/sites/default/documents/files/documents/10180/2545547/67493daa-85a8-4429-aa91-e9a5ed880684/EBA%20Report%20on%20crypto%20assets.pdf?retry=1

Check the table at page 7 ("Investment token").

A study for the EU states the same result:

https://www.europarl.europa.eu/RegData/etudes/STUD/2020/648779/IPOL_STU(2020)648779_EN.pdf

Check page 23. They sold unregistered securities to you.

Now they try to establish themselves as reputated entrepreneurs by giving away minivans for charity (https://www.15min.lt/verslas/naujiena/pranesimai/maltieciai-vel-pades-kauno-neigaliesiems-sulauke-imones-bankera-paramos-231-1282846) or giving interviews on Lithuanian newspapers talking about creating new jobs in LT and being part of the Fintech hub there all to wash their dirty past clean and make people forget about their scam past.

Again someone is not checking the facts carefully. Important is not Spectro Finance Ltd. but Spectro Finance UAB. Spectro Finance UAB had Sales revenue   in 2018: 3 000 001 - 5 000 000 € excl. VAT
and 38 people employed (insured). All that information can be found here: https://rekvizitai.vz.lt/en/company/spectro_finance/

Any proof for your claims? I guess no. Some facts:

1. You can see some team members here at the Lithuanian website of Bankera: https://bankera.lt/apie-mus/

2. You can see LinkedIn profiles of team members here: Bankera: https://www.linkedin.com/mwlite/search/results/all?keywords=Bankera

Spectrocoin: https://www.linkedin.com/mwlite/search/results/all?keywords=Spectrocoin+

As I am on your ignore list you may did not get my answer to this. So here it is again:

I think it is not that meaningful to compare the current WR with the past ICO price. We should look at the current WR with the current token price. If we take the
arithmetic mean of the past 3 WRs we get an WR of 19602,66 EUR. 20% of that equals to 3920 EUR. When we divide those 3920 EUR through the current token supply in circulation (10.924.176.189) we get a WR
of 0,000000358 EUR each BNK / week. At the current price of 1 BNK = 0,0014 EUR we get an interest of 1,33% p.a. That interest is okay if we consider the today's low-interest-rate environment. I mean in my country banks are planning to charge you a penalty interest for having funds on your savings account. So we have a interest of 1,33% p.a. + the chance of a potential token price increase. One must consider the current WR with the current price. In the past we had a way higher net transactional revenue than today, we had a higher token price and a smaller token supply. One must consider all of this factors. The token supply is not going to change anytime soon, the price can go even lower (increasing the interest for every new bought token) or higher and the WR can go up (to levels like in the past through the new loans products or the revival of the cards) or could go lower (whereas the WR is pretty constant at the current levels for almost 1 year).

I think it is not that meaningful to compare the current WR with the past ICO price. We should look at the current WR with the current token price. If we take the
arithmetic mean of the past 3 WRs we get an WR of 19602,66 EUR. 20% of that equals to 3920 EUR. When we divide those 3920 EUR through the current token supply in circulation (10.924.176.189) we get a WR
of 0,000000358 EUR each BNK / week. At the current price of 1 BNK = 0,0014 EUR we get an interest of 1,33% p.a. That interest is okay if we consider the today's low-interest-rate environment. I mean in my country banks are planning to charge you a penalty interest for having funds on your savings account. So we have a interest of 1,33% p.a. + the chance of a potential token price increase. One must consider the current WR with the current price. In the past we had a way higher net transactional revenue than today, we had a higher token price and a smaller token supply. One must consider all of this factors. The token supply is not going to change anytime soon, the price can go even lower (increasing the interest for every new bought token) or higher and the WR can go up (to levels like in the past through the new loans products or the revival of the cards) or could go lower (whereas the WR is pretty constant at the current levels for almost 1 year).

In a Ponzi scheme you are constantly recruiting new members to pay the older members.
You need a constant inflow of new cash. Is that the case with Bankera? No. Why should they give money back?
They could have run away with the money a long time ago like so many scam ICOs did. Why all that product releasing and Revenue share paying?

I am wondering why they are starting all over again with the same stuff we had over and over again before  

Regarding the offices (we had this topic before...):

There is lithuanian TV documentation regarding Fintech and Blockchain in Lithuania showing
Bankera and their offices.

You can see the full documentation with even more of their offices here:
https://www.youtube.com/watch?v=K8KS-F4Z7eE&t=623s

But the whole documentation is probably faked like the moon landing  

And also Lon Wong, the former president of the NEM foundation, had a due dilligence at one of their offices in the very beginning:

His tweet regarding the office (with picture): https://twitter.com/2017lon/status/908334221013471232

It is not supposed to be the centrepiece of the ecosystem. Actually it was not even in the first whitepaper. One must see it as an additional service. The loans service (loans.bankera.com) is
more the centrepiece of the ecosystem in my opinion. This and other banking solutions coming up (like Bankera wallet). You surely know that 95% or more of the reported crypto exchange volumes are faked.
So you want Bankera to wash trade and manipulate the volumes? High volumes aren't necessarily a good thing.

I am also still around.

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.

Again some insults from our dear friend. This time also in another language. Impressive...

Simply no.

The CEO recently commented on the card situation:

„1. Yes, we have it in plans, but I will not lie, we are not currently working for it, but that's in the horizon. 2 and 3 So SC cards will be by third party provider and yes they are in process of being printed, Bankera cards are also in process to be issued by Pervesk. Firstly, Bankera and SpectroCoin are distinct products due to regulator and clarity, SC will focus on crypto -> fiat link, while Bankera is on track to be a neobank, I believe once regulatory climate will change we will merge everything in one peace, but for now as we said, we see it as a puzzle. Secondly, we have distinct solutions to leverage the risk of one program being shut down or so, so we would be able to offer the service anyhow. 4. Linked cards are provided by another third party and the limitation is due to their policies, this does not have impact for issued cards constrains (well, I will not lie, SC cards will be for EEA first, but that's why we are building our own infrastructure with Pervesk etc to outgrow these limitations). 5. Pervesk will be offering cards both issuing of cards as well as letting to accept cards as payments, also it will offer other payments methods, it is an engine behind a number of features.“

Bankera and Spectrocoin are two different legal entities within the same ecosystem. Nevertheless every BNK holder receives a weekly revenue share from revenues generated by Spectrocoin, Bankera exchange and Bankera loans.

The exchange is not optimized for mobile devices. I think it was mentioned that there will be a mobile application
in the future but for now it is better to stick to non-mobile devices like your laptop.

So how do we benefit from that? Pervesk doesn’t pay WR and Spectrocoin offers no IBAN yet?

Given the current WR (€ 0.000000313970828418996 / each BNK) and the current price of 1 BNK (€ 0.00162932) we have an interest of ca. 1%
which is okay given the negative interest rates nowadays. Of course in the past things have been better as we had the cards and IBAN running:

"This revenue share is equal to 0.00116868993 EUR per 1 BNK of annualized return. This is equal to a 11.7% annualized return given the pre-ICO price of 0.01 EUR, 6.7% annualized return given the initial ICO price of 0.017 EUR and 6.3% given the current ICO price of 0.018 EUR." - 19th WR report (https://blog.bankera.com/2018/01/08/the-19th-week-net-transactional-revenue-share-has-been-paid/)

Now imagine those services (cards & IBAN) to come back and the new services (exchange & loans). In combination with the current low price of BNK that will become an attractive interest.

Bankera exchange has added LTC, XLM and ZEC. Good that they are starting to improve their exchange.