I just wanted to point out things, which seems that nobody cares about, but still they are very, if not most important from investor point of view. Idea is worth nothing if it is not implemented in reality. And I can`t imagine, how do you plan to implement this.

Yes, I have experience in investments - I have already supported some projects, but until now not yet through ICO, (and I also do not plan to in near future, since things here are not clear enough and not regulated at all and therefore to risky), always directly and with condition to get share in project and future profits.  I am just follwing, what is happening in this area and since I am from Slovenia too, you got my attention. My oppinion is, that ICO is more appropriate for small investments, few 100 EUR max., more for fun than to expect real results and is more donation than investment, similar as on Kickstarter and similar platforms. And this euphoria in last months is just not normal, people are forgeting on really important things or are totaly uneducated investors and this will not have happy ending for most of them - this is just my oppinion and I do not expect that you will agree with me.

Regarding PSD2 you will see what will happen in future. It would not be for the first time, that some directive would not be localy or even on EU level fully implemented, because practise shows that sometimes full implementation of theory into practise is just not possible. I do not now how can somebody expect that banks will invest in some APIs to enable communication with external providers. This means upgrade of whole core systems which is connected with huge costs and still there would be a lot of complications. Not to talk about operation risk management issues and protecting sensitive and personal data regulatives.

As I already wrote, I wish you all the best. Please just be more carefull in marketing - I strongly advice you, to include some disclaimers. It could be very good for you in case if something goes wrong.

I am eding this debate with this post.

First of all I would like to make something clear - I wish you all the best and also that your project would be successful. I do not doubt that your intentions are not honest, but I think you are not realistic.

What I wanted to say is, that you are to optimistic in your promises. Your whole idea relys on some PSD2 european directive, which probably will never be fully implemeted. You have to know one thing is theory which is written from EU birocrats, and other thing is reality. PSD2 directive was published already in 2015 - and we are about to enter 2018 - what has changed in this time regarding PSD2 directive?

And already in theory -  without full implementation of PSD2 will your platform be just another application without real advantages for client. But nevertheless - do you actually know, how many regulations you would need to fullfil in order to be able to deliver all these services? I think not.

Regarding your experience - how many credit cards did you develop, how many online banking sistems did you develop? You are talking here about global platform - do you now what are differencies between countries? I am talking about technical issues, not about delivering "financial advice" - because your main exeprerience is in giving financial advices to retail clients, not in development of complex financial products. Do you understand difference?

Regarding whitepaper - if somebody tells me, that this whitepaper is one of the best ever, then I'm really worried about the entire ICO scene. Where is business plan? You are asking me to invest in your idea, so I want to see your business plan. Otherwise you are not asking me for investment, but more for donation. Yes - idea is clear, but how will you make revenues, what is financial plan for first year, second year and so on, cash flow. We have also agreed, that you will need to get clients - so how do you plan to get them...? Your answer is: "...There are two gropus - end users as described above with benefits posted in medium post, and financial adviser companies..." This is all about target bases? Are you serious...? You would not get 1 EUR with this whitepaper on serious financial market. Everything on your project is trying to be spectacular, but there is no concrete information - only ideas, expectations and wishes...and statistics which should make us belive, that there is huge market, just waiting for your platform. Reality is, that people are still very conservative, when we talk about money. Who will guarantee me, that working with you is safe for me, who is regulating you...?

And also what concerns me, is promotion which is based on 16% yearly return promise with no disclaimer - you can not guarantee this return, no matter what you say. I think you will have trouble with regulator soon. This is clear misleading promotion.

I see most of people here do not ask most important questions.I think, real questions here are:

- first if moneyrebel team will be able to deliver, what they promise, because they promise really big things. I can not imagine, how such small and in a field of financial services development unexperienced team could establish all these services.
- and also if they could deliver what they promise, how will they acqiure clients. Why would I use these services, what are advantages? Which group of people is their target base?  Everybody here is forgeting, that without clients no business can work.

What I also do not like, is that investment in crypto currencies is promoted as financial product which is appropriate for everybody. Their promotion is based on this algorythm called Kriptel.de, which is earning 16% yearly return...? Maybe once in testing period this algorythm really succeded to make such return, but this is still far away of being able to promote this in a way, like at this point - as this is fact and that this algorythm will always deliver such returns. At the moment is not so hard to make such returns, because investment in crypto is very popular and values are higher almost everyday. What if this bubble will explode one day...? Investment in crypto is very risky.

I have read a lot of positive comments regarding whitepaper of this project - it seems that a lot of people is losing connection with reality...From my perspective this whitepaper is full of unusable statistics and pure commercial promotion. It is just presentation of idea. What I miss is business plan...how, when, where, cash flow, etc. I do not imagine that somebody expects, based on such document, to collect 15 millions...although in these days everything is possible. They claim that they have collected more than 1mio EUR from only 426 investors, which means that average investor invested around 2.500 EUR...? I don`t now - this is very high average number...

I am sorry, but I do not see opportunity here, because I think, that this platform will not be such hit in real life.