This is news worth mentioning again.  

To be clear. They are not # 65 of the top 100.  They were included in the "Emerging 50" list on page 65.

Still good news all the same.

I should have read further down as you are now insulting yourself.  Your last comment called investors "greedy".  Does that therefore mean you are calling yourself "Greedy" or just pretending to be "one of us" to gain credibility or favor.

As mentioned earlier.  Please exit stage left and don't let the door hit your a$$ on the way out.

NFI.

It's really great to see educated forumites willing to stick their neck out and warm others against the dangers of loosing their hard earned money to a scam project.  Thank you.  You must be greatly admired within your circle of influence.

On the surface, you seem like such a nice person but when communicating your warning, you not only cast dispersion's on the founders of Bankera but then you go on to call any current investors "Greedy".  If investors are all greedy, you obviously hold us in contempt. Apologies for using such a big word by the way.  In case you missed it, "contempt" means "the feeling that a person or a thing is worthless or beneath consideration.

If we are worthless or beneath your consideration, why go to the trouble of writing 100's of post's warning us not to invest.  You embarrass yourself with hypocrisy.

I'm sure you justify your pay check each week in whatever way you see fit.  I sincerely hope that paycheck allows you to sleep soundly at night.   

All the best with your next contract.  Your coat and jacket will be waiting for you by the door.

cheers
NFI.

@ Bankera mods.

I believe you pay 20% of revenues from all funds moving through Spectrocoin?

Q: Assuming you are successful in raising enough capital and you manage to obtain a banking license, what role does Spectrocoin play in the med to long term for Bankera?

Q: Will all loans be executed through Spectrocoin EG: I take out a $200,000 Bankera loan against my crypto.  Will this be transacted through Spectrocoin or direct?

Q: Will all token holders by entitled to a % of all profits from all of Bankera?  If so, what %?

Q: Should you be successful in obtaining a banking license but chose the close down / sell Spectrocoin, what happens to our tokens? What can they be used for?

Thank in advance

NFI.

Sorry JinMi, wrong use of the word ICO on my part.  I consider any new project that comes on the market these days as an ICO.   I guess it's a platform.

But agree, it looks promising and I will be investing.

cheers
NFI.

Appreciate you taking a moment to give your view JinMi.

I've stopped investing in ICO's over the past few month as I feel the waters of the pond are become rather murky. 
So many ICO's now rely on fancy websites, prolific social media marketing, discussion forum manipulation and questionable "advisors".  This is the first raw and unsalted offering I've seen in quite some time which seems to stack up under it's own weight.
I'll do some more research before investing later this week however I'm yet too find any noteworthy red flags.

Cheers
NFI.

I highly doubt it JackAce as that may reveal the trade secrets however that is a great question.  I suggest you put it onto the reddit link in the above post so people can vote on it.

Try not to feed the trolls Memberx.  It's only encourages them...

Call it whatever you like but the Central Bank seems to hold a very strong "negative" position on cryptocurrencies.

Can you please specify exactly what influence the Central Bank Of Lithuania will have on your application for a full banking licence next year please? 

I'm invested in your ICO and would like some clarification please?

NFI.

I really like the way the team are approaching this.  Low marketing hype and just letting the product stand on it own merits.

Here's an interesting article where XRL get's a mention:
5 Cryptocurrencies You Should Know About Besides Bitcoin
http://www.nasdaq.com/article/5-cryptocurrencies-you-should-know-about-besides-bitcoin-cm854979


There's an ICO I recently invested in (10 times my total investment in Rialto) but worryingly, I'm more confident about this project than that.
Think I'll try and cash out that ICO and move it across to Railto.

NFI.

I'm subscribed to the newsletter as well however I never received any false communications.  Can other people please report in.

Perhaps the leak was not directly from Bankera but another popular ICO subscription. Bankera needs to officially respond to whether or not the leak was from their side as it does not look good either way.

cheers
NFI.

This ^^^^^.  Is right on the money.

Just to add a few more to jlp's excellent advice.
1: Does it solve a "current" real world problem?
2: Are the founders greedy?  EG keeping a large percentage of the tokens for themselves. Releasing a huge amount of tokens in total. Is the token sale uncapped (big red flag right there)?
3: Does the token have an intrinsic function of the platform etc?  Many ICO's are just tech startup's who cannot get funding via the usual channels (perhaps because it fails the basic test) but then think, hey why don't we add a token to it, and launch an ICO".  Once you cut through all the fancy marketing BS you find the real world value of the token is worth the same amount as a recipe for ice cubes.  And once you've paid for said cubes, the project evaporates just as quick.    
 
Someone suggested https://icobench.com/ico/selfpay
Interestingly, out of their top 10 projects only two have a working product.
I checked out 5 of my current investments who all have a working product and most scored terribly (under 2.5/5)

Not to overemphasis the point but in real world terms, if someone came to you and said "We have this idea for a new smart phone.  It's going to solve this xxxx problem. It's built on a telecommunications network that is 5 years off being useful and by the way, we've never built a phone before and we don't even have a working prototype to show you because as I said, we've never built one before".
This is what most ICO's are asking of investor's which is why most will fail.  Heck, I'll be happy if just one of mine pays off but you just never know so never gamble more than you can afford to lose.

One final note. These ICO evaluation sites are all good for one thing.  A "quick initial" assessment of an ICO that you may be interested in. Like panning for precious metal, there are so many ICO's being released that it's hard to filter out out the silt and crap and uncover the real gold.   Don't rely on just the one resource and as always DYOR to see if it satisfies the above criteria.

cheers
NFI.  

The first thing I would say is never assume any coin (BTC or Alt) will provide you with a modest lifestyle as its all speculation and nothing is certain.  If you are after security, I suggest you look towards another investment vehicle.

Secondly, we have zero indication how much
1: The total Arbitrage market is worth.
2: How much of this market Railto will be able to leverage.

Yes this project has promise however we won't have any real data until the process starts and they release their first round of performance metrics which will no doubt be influenced by market size.  Speaking of market size, the total market cap was was $176 bill just a few weeks ago.  Right now, it's $114 bil...

Always DYOR and good luck.

NFI

I see no one has bothered to answer your question so let me try and see if I can.
Quote"Each holder of Banker (BNK) tokens will be entitled to a referral commission, paid weekly; this will be constituted of 20% of Bankera and SpectroCoin net transaction revenue."
The key word here is "revenue" and not "profit".  If they were only paying on profit, then your figures would be correct however they intend on paying 20% of the total "revenue" through both Bankera and Spectrocoin.
Anyone in banking will tell you than profit levels can range between 0.5 - 2% of net revenues so this means that the revenue through Spectrocoin will multiples higher than the $500million they anticipate
Happy to corrected by those smarter than myself though.
Cheers
NFI.

You forgot to mention that all the warnings (apparently from different users) all appear to be in exactly the same template (sorry format).

NFI.

Here are a few observations from their first payout figure and information.
https://blog.bankera.com/2017/09/06/the-first-weeks-net-transactional-revenue-share-has-been-paid/.

It looks like Bankera have made some changes to their Secondary ICO by lowering the coin offering from up to 25bil to just 10bil.
This is a good thing as it's clear this is a long term play and this ICO was never going to benefit from the crazy speculating of some other ICO's where punters were looking to flip (Enigma, Monetha etc).  
The early payout (relative to the investment) is only 4.5% annualised however this is based on current traffic.  This is both good and bad as all Spectrocoin throughput would have been artificially inflated by this very ICO however you might expect the long term outlook would include bank loans being issued which would drive this figure up.

So, less coins for the moment and the ICO will not be an overnight success but no surprises there.

My only concern is releasing the next wave of coins at .1EUR into a downward market.   Whether you like it or not, another bubble is here and it will burst just like the 4 other occasions since 2009.

cheers
NFI.

Thanks so much Dorky.  That is most appreciated.

Dorky,
Can you possible share the ICO list price as I got in a little later and I'm curious to know?

Thanks
NFI.

OP / Bankera.

The right thing to do for anyone caught up in the ETH processing delays should have their transactions honored at the buy rate at the time of their transaction.
EG: If it was at the very start of the ICO then they should receive their BNK at .012EUR.

cheers
NFI.

Long time listener, first time caller here so I hope my first post counts for something (yes, I know my account is new).

For my sanity, I withdraw my BTC from my Spectrocoin wallet earlier today and what do you know.....  It was all there waiting for me in my other wallet. All there.  Exactly as it should be.
The crypto hadn't been stolen like some earlier posters had suggested so let me say to anyone reading this.   Be wary..... of those pretending to help their "buddies" here on the forum by flagging this coin as a scam.
Yes there is a well documented issue with their ETH transaction facility and Spectrocoin's official response has been lacking however logic would suggest to me that if you're about to run off with someone $$$$, why only do it with one segment of your customers AND then if it was only one segment, why not the most popular one (BTC).

If the "Chicken Little's" of this forum honestly believe they are doing the right thing by spreading this type of FUD, let me tell you that it has the opposite effect.  When a genuine scam warning comes up, most won't take it seriously as we don't really trust anyone.

PS: Hi. It's been very nice to meet you.

NFI