Hi,

Please note we care about each of our clients and do our best to meet customer expectations. However, all transactions and activities in our platform must be carried out only in a responsible way. Therefore, we are obliged to act in accordance with the set rules.

We do understand that in certain cases, specific requirements may not seem very convenient, but, by asking you to provide us with certain information, we ensure the safety of your assets and our platform, as well as the implementation of the legal regulations.

The customer's identity documents must comply with a set of specifications and validation requirements. If your KYC questionnaire or documents are rejected, the exact reason is specified by the responsible department, and it might be due to the following reasons:
  1. Your documents do not match the information provided in the KYC questionnaire or you failed to input the correct information;
  2. Your passport/identification card was not valid at the moment of submission;
  3. Information on your passport/identification card is not clearly visible;
  4. Your selfie is unclear and blurry;
  5. The document information is covered by hands or stickers/tape/duct tape, etc.

Please make sure you carefully follow our requirements in order to have your application successfully approved.

If you have any further question related to your account, you can always contact our 24/7 support team via live chat on spectrocoin.com.

We are happy to have finally wrapped up our card integration into the SpectroCoin platform and present you with a fresh rebranded solution. True to SpectroCoin’s mission to make cryptocurrency payments simple and part of your everyday life, our new cards make your digital assets withdrawable and spendable in millions of places across the world.

Check out our blog post and find out why you need one in your life: https://blog.spectrocoin.com/en/2019/11/spectrocoin-bitcoin-card-is-here-your-link-between-bitcoin-and-fiat-payments/

We would like to announce that this thread is now locked and will be used exclusively for announcements.
We invite everyone to reach us through the Live Chat on our website, available 24/7: https://spectrocoin.com/.

What people post or where is not in our control obviously. If the customer base is not using bitcointalk, it is their choice. Who is responding on Bankera thread obviously are a part of Bankera Community which is increasingly is becoming a separate entity. SpectroCoin and Bankera remain as products in the same ecosystem, but Bankera offers its own products that work independently of SpectroCoin and that don't need any support from SpectroCoin.com. We offer our users the choice to transfer their cryptocurrencies free of charge from SpectroCoin to Bankera products, but each product works completely independent of the other.

The UK office as the name on SpectroCoin website suggests it is business development and not product development office, the latter of which is clearly shown on the website is Lithuania. The number of employees won't show all in one place because we have offices in different countries and for each one, it reflects the number of employees in each of those countries and in addition there are freelancers who in most cases are not included in those websites and they have to declare their income by themselves according to each country law.

There is no platform without issues or any bad rating for one reason or another. Issues with customers are dealt directly with the customers and their information cannot be stated for GDPR reasons. As we stated before, there are a lot of options in all industries and each person chooses what fits them best. Some of the complaints in the first article are the trading fees or withdrawal fees and that does not support any "scam" theories - each platform offers specific features for a specific set of fees, but that's why we have 24/7 LiveChat team. They can ask any question anytime they want and find out everything before they take action just as quickly as pressing on one button and contacting our support team.

The argument about whether we have offices or not is basically not valid because the team now offers 3 products with developers, IT, translators, support and so on. If we operate completely digitally, we wouldn't list the addresses, we usually don't accept visitors as all that we offer is doable digitally and there is no need for a customer to visit, the same as neobanks or most other fintech companies. Though, if you would like to see more about our team and some photos in the office, please head to our Instagram channel. In our careers page, there is also a video featuring some of our employees in the office https://careers.spectrocoin.com. Also, a Lithuanian TV show featuring our office in Kaunas https://www.youtube.com/watch?v=K8KS-F4Z7eE&t=623s

The link shows all those 1000 companies and yet, it doesn't show Spectro Finance LTD. The office as you show in your screenshot is a "business development" office and is not a main office of operations. The legal entity is registered in the UK, same as in Lithuania, and Estonia with registration numbers and having a small or big office does not change the fact that the company is registered in the country and can offer its services in the region or whether or not its registration is binding to the country's code of conduct.

This is UK GOV link showing Spectro Finance LTD company address - https://beta.companieshouse.gov.uk/company/09008498 and the company number registered in the UK by law and date of incorporation. You may not like the business, and that's okay. There are a million companies and each person can choose the ones that suits them best, but please refrain from spreading fake announcements based on some speculations or someone told someone, told someone I know who told me. Those addresses and links are all legal representatives of the products we have and if you think any country will allow fake listings, you would be mistaken. Governments go through those applications for us and we go through the legal process.

Our contacts are

+44 20 3769 5474
helpdesk@spectrocoin.com
Vilniaus g. 31, LT-01402 Vilnius, Lithuania

If you wish to visit our offices, you need to send us an email so that we will assess the possibility.

Bankera already has 2 products of its own and they work for cryptocurrency in general. It continues along with SpectroCoin and what will come.

If they are one or separate legal entities, the fact remains it is publicly disclosed and the legal reasons behind are not mentioned - it is hard as mentioned - time is better spent on more important things if it will cost a lot of time. The team founded Spectro Finance and the companies within it are SpectroCoin, Bankera - that's the point of the quotes, who in the team works in which product or if someone carries responsibilities in both, that does not make a difference.
The ICO was created for more capital as capital is needed for banking services/products such as Bankera Loans.

"The history of Bankera started 6 years ago when three young professionals
with experience in finance and software development founded Spectro
Finance – a FinTech company with the aim to offer cryptocurrency payments
at the dawn of the crypto era.
Even then, the founders were dreaming big and named the company to
represent a spectrum of financial services they were planning to offer. The
product itself was named SpectroCoin, in reference to the broad spectrum of
cryptocurrencies the service sought to support. Ever since it has been
providing crypto brokerage, wallet, debit card, and eventually payment
processing solutions.
In 2017, the company was steadily expanding its services and gaining new
clients. However, having gathered invaluable experience in the FinTech and
crypto markets, the team of then already 40 members decided it is time to
take the next step.
While happy with the product we had, we wanted to take our service beyond
crypto payments and develop a full financial infrastructure for the blockchain
era that would encompass everyday banking and the crypto economy to
offer a financial solution fit for the needs of today’s tech-driven market. We
named the project Bankera.
While we knew we had the know-how necessary to build the blockchain era
bank, we required more capital for the project of this scale. Thus, on the 28th
of August, 2017, Bankera launched an ICO to gather the funds needed to
take our project to the next level." (https://blog.bankera.com/2019/05/21/developing-bankeras-ecosystem-our-vision/).

You seem to have not read this link we provided earlier. It is a public acknowledgment of what you claim. It is not like a hidden fact that people needed to dig for. Also why the need for ICO.

"However, current regulatory and legal frameworks have not been too friendly
in terms of the use of cryptocurrencies in the financial sector. It became
increasingly harder to build a unified entity that would encompass core
banking and cryptocurrency services at the same time.
Instead, we have decided to develop our solutions as separate units: the
whole ecosystem of Bankera could be now seen as a puzzle, with every
product of ours acting as a piece of the full picture that we are aiming to
complete.
From the start, we already had one significant puzzle piece – our first
product SpectroCoin. Nevertheless, we had no plans to slow down and
began working on new products, as well as improving the old ones." (https://blog.bankera.com/2019/05/21/developing-bankeras-ecosystem-our-vision/).

This explains why each of our products is a legal entity by itself.

The ecosystem has around 120 employees; a few teams (such as translators and design) work for both projects, but others are given different projects to work on, working exclusively for one or the other company.

Hello,

As mentioned earlier, the ecosystem's structure is explained in here: https://blog.bankera.com/2019/05/21/developing-bankeras-ecosystem-our-vision/.

Secondly, you can very simply join Bankera Community Chat and find all those persons anyone claims they are sent by us and contact them and find out what they are all about. We have no hand in it. They are simply there to refute and provide counterarguments. If you wish to read what they wrote and what they are trying to do in Bankera thread, you may very simply go ahead and find all the messages by yourself. Or again, if you wish to, you may join the chat and have a conversation with them or PM them on this forum. We have not sent them to pump the thread. They simply joined to provide counter-arguments by their own will. Bankera thread seems quite since 14th of August. If we wanted them to pump it, they would keep communicating in there and not keep quiet. Before anyone starts judging and believing anything, read the messages and read what they were writing and against what claims.

We appreciate your attempts to finding more about the project in order to make an informed decision, but all the information that needs to be public is public. And most importantly, we don't need to have anyone pumping any threads and that idea is simply beyond comprehension as for years the thread was all negative. The community members joined to share information so that people see the positive and not just the negative and they have stated that in their messages - they have stakes in the project and that is their contribution and they want to provide the positive side of the story (we simply see that from their messages, feel free to have a look at them).

Bankera's ICO was held in SpectroCoin - meaning that BNK tokens were distributed through our platform. Additionally, the net transactional revenue is still distributed to those who keep their BNK there, so there was the need to include the agreement to SpectroCoin's T&C as well.

One of Bankera's communication channel with their community is their chat; many users there decided to join bitcointalk and participate in discussions, seeing that many others are not on Bankera's chat - you may join the chat yourself and check the situation with the others. For more details on both topics, you may reach Bankera's team directly through their thread.

Hello,

In reference to active users, we evaluate the number by real-time active users. The number provided earlier is the number of total users, yes, there are inactive users among the million. We do not have the information of the number of active users, but within the whole ecosystem, Bankera's WR blog posts specify the total revenue of the company each week and it can show how active users are interacting with our ecosystem. The numbers of revenues vary each week and during the bull market, the numbers were higher as expected. Nevertheless, the platforms are active and users use them frequently as we work on more solutions to our services and will provide more.

In reference to employees and advisors, the FAQ page showcases the point why the names are not on our website. Though, you can find the names of people who contributed to Bankera on https://bankera.lt/. Also, LinkedIn pages show the employees who have listed Bankera or SpectroCoin or else in their profiles. Advisors names are not visible due to the reasons explained in the FAQ answer.

Why SpectroCoin is referenced in the T&C's. We will check with the team about why that is the case and get back to you.

Respectfully, claims are only claims. Our business has been up and running for 6 years with about 1 million clients as of now using SpectroCoin - Bankera ICO finished successfully and by now have 2 products under the brand name Bankera, Bankera Exchange and Bankera Loans, with more to come in the near and far future. Some cases can be attributed to reasons that we cannot share publicly in respect to GDPR and privacy procedures and so they are communicated directly with the clients. We provide all the tools for our users to be safe and secure from 2FA to email notifications if any new IP logs into your account and a large number of wallets to store your crypto and fiat and easy withdrawal options while having an instant currency exchange and free and instant peer to peer (among SpectroCoin users) transactions. Most importantly, a 24/7 support team at your disposal to assist you in any issue you may face.

Hello,

Bankera's team has a blog post detailing the project and the ecosystem's structure: https://blog.bankera.com/2019/05/21/developing-bankeras-ecosystem-our-vision/.

Hello,

You may contact our 24/7 LiveChat team or our support via helpdesk@spectrocoin.com as they are the ones who are well aware of your case and can answer you.
All information about our terms and conditions can be found on our website.
Spectrocoin reserves the right to update the terms. In terms of 2FA, if it was set to email and your email was hacked, we do encourage everyone to keep their credentials secure and use more personal 2FA methods such as SMS or Google Authenticator. As we are not aware of your case and cannot help, the only way is for you to contact our LiveChat team or helpdesk or write a ticket by filling this form https://spectrocoin.com/en/contact.html

Hello,

The word "accusations" is exactly what it means - nothing concrete or verifiable especially in terms of having a business up and running for 6 years and growing in numbers.