What a cool article I have just found!!

Lithuania has a program for young professionals with a Lithuanian roots to connect with Lithuania. I am so glad to see that Bankera (Spectrocoin) gave an opportunity for one of these young talents to work at their office and be a team member. How cool is that!
Check out on Facebook. And it is really inspiring to see this program under the patronage of our President!

https://www.facebook.com/BringTogetherLT/posts/524872698055747?__tn__=K-R


For the mosprognoz, you could also apply and join the team, go to the link below and watch the recruitment video:

https://careers.spectrocoin.com/?fbclid=IwAR1afFTuDXr-0vES1mhxkKW0kwTylFSNPncJNTMcXKro7DOqR8aBT09aM2o

Great news about the new crypto on BE!

Today I have opened new account on the main competitors platform -  Nexo. They have stated that the interest rate for the crypto backed loan is 8 %, but it is only with NEXO token. Repaying the debt with the other tokens would cost you more than 22 % annual interest rate!! What a BS, even on my credit card interest is 18 %. And having to change the fiat into crypto, and then go to the specific exchange to by NEXO, it would cost way more than 8 % repaying with NEXO.
Keeping in mind that Bankera`s loans can be repayed with BNK for only 6 % rate and with other crypto for only 7.5 % we have a huge advantage against more than 22%!!!

I really believe that loans are going to be truly successful and demanded product!

Since the beginning I liked one thing about Bankera, that compared to the other crypto projects, this one is more diversified, with cards, IBAN`s, payment solutions and loans even if the crypto market is down, because of the connection with the fiat world Bankera should be still up. Really looking forward to receiving my card

It has been already explained by the Lithuanian Bank! Itself, what nonsense are you talking about? Created new account SC lawsuit, presumably Spectro Coin, just awful

A lot of you People are in a such an information vacuum!!! Regarding all the story related to UAB Pervesk, Spectrocoin, Lithuanian Bank and FNTT, long story short:

1) Lithuanian Bank has checked UAB Pervesk (partnership with Bankera, belongs to the same owners, has an Electronic Mony license in Lithuania with a right to operate in all European Union Member States), FNTT  (lit. - Finansinių Nusikaltimų Tyrimo Tarnyba - special Lithuanian criminal investigation body for the investigation of the financial crimes and all related) also participated in this audit.

use google translate (Verslo Žinios in Lithuania is the same as Financial Times for the rest of the world - the most credible resource):
https://www.vz.lt/rinkos/2018/09/21/mokejimu-istaigai-ir-jos-vadovui--12-mln-eur-baudu

2) all the story is about KYC regulations - Know Your Client it is connected to AML (Anti Money Laundering), policies the Finantial institutions (UAB Pervesk in this case) has to implement to prevent crimes, basically to collect a relevant data from your Clients related to the source of the money. This audit had nothing to do with a scam or something like that!!!!!

3) One more time - the story with fines and FNTT is only related to KYC procedures!! Only!!!

4) Vilnius regional administrative court has lifted All the fines from UAB Pervesk and it`s CEO!!

read an 12-06-2019 article about that in Verslo Žinios (google translate will help):
https://www.vz.lt/rinkos/2019/06/12/teismas-panaikino-baudas-bankeros-ikurejui-ir-susijusiai-imonei

and our Lithuanian second biggest news website 15min:
https://www.15min.lt/verslas/naujiena/bendroves/teismas-panaikino-pervesk-ir-jos-vadovui-skirtas-baudas-663-1158840


5) AND FINALLY - LITHUANIAN CENTRAL BANK HAS ANNOUNCED ITSELF THAT on 25-01-2019 IT HAS LIFTED ALL THE RESTRICTIONS AND UAB PERVESK HAS NO MORE KYC ISSUES!!!!
READ OFFICIAL LITHUANIAN BANK`S STATEMENT ON THE OFFICIAL WEBSITE!!!

https://www.lb.lt/lt/naujienos/lietuvos-banko-valdybos-nutarimai-140

Second section of the announcement, google translate will help to translate from Lithuanian.

Believe only official-governmental resources!!!! not some BS some haters are spreading here!!!

A lot of you People are in a such an information vacuum!!! Regarding all the story related to UAB Pervesk, Spectrocoin, Lithuanian Bank and FNTT, long story short:

1) Lithuanian Bank has checked UAB Pervesk (partnership with Bankera, belongs to the same owners, has an Electronic Mony license in Lithuania with a right to operate in all European Union Member States), FNTT  (lit. - Finansinių Nusikaltimų Tyrimo Tarnyba - special Lithuanian criminal investigation body for the investigation of the financial crimes and all related) also participated in this audit.

use google translate (Verslo Žinios in Lithuania is the same as Financial Times for the rest of the world - the most credible resource):
https://www.vz.lt/rinkos/2018/09/21/mokejimu-istaigai-ir-jos-vadovui--12-mln-eur-baudu

2) all the story is about KYC regulations - Know Your Client it is connected to AML (Anti Money Laundering), policies the Finantial institutions (UAB Pervesk in this case) has to implement to prevent crimes, basically to collect a relevant data from your Clients related to the source of the money. This audit had nothing to do with a scam or something like that!!!!!

3) One more time - the story with fines and FNTT is only related to KYC procedures!! Only!!!

4) Vilnius regional administrative court has lifted All the fines from UAB Pervesk and it`s CEO!!

read an 12-06-2019 article about that in Verslo Žinios (google translate will help):
https://www.vz.lt/rinkos/2019/06/12/teismas-panaikino-baudas-bankeros-ikurejui-ir-susijusiai-imonei

and our Lithuanian second biggest news website 15min:
https://www.15min.lt/verslas/naujiena/bendroves/teismas-panaikino-pervesk-ir-jos-vadovui-skirtas-baudas-663-1158840


5) AND FINALLY - LITHUANIAN CENTRAL BANK HAS ANNOUNCED ITSELF THAT on 25-01-2019 IT HAS LIFTED ALL THE RESTRICTIONS AND UAB PERVESK HAS NO MORE KYC ISSUES!!!!
READ OFFICIAL LITHUANIAN BANK`S STATEMENT ON THE OFFICIAL WEBSITE!!!

https://www.lb.lt/lt/naujienos/lietuvos-banko-valdybos-nutarimai-140

Second section of the announcement, google translate will help to translate from Lithuanian.

Believe only official-governmental resources!!!! not some BS some haters are spreading here!!!

Nice day to everyone!

One of the interviews with Bankera`s front end developer:

https://www.youtube.com/watch?v=68YTArL0ijY

Пoжaлyйcтa. К вaшeмy cвeдeнью я c пpoeктoм cвязaн кaк coбcтвeнник тoкeнoв. Я иx в минyc нe пpoдaвaл и нa бoльшиe кoлeбaния paccчитывaл, нaдeюcь вы тoжe. Haдo видeть пpoгpecc пpoeктa и я дyмaю, чтo бyдyщee cвeтлoe!!

Thanks huup!!

And I almost forgot, that the Estonian (Estonia is also European Union member since 2004) branch of Spectrocoin: Spectro Finance OÜ has the fallowing licenses:

1) Providing services of exchanging a virtual currency against a fiat currency

https://mtr.mkm.ee/taotluse_tulemus/500169?backurl=%40juriidiline_isik_show%3Fid%3D245024

2) Providing a virtual currency wallet service

https://mtr.mkm.ee/taotluse_tulemus/500164?backurl=%40juriidiline_isik_show%3Fid%3D245024


We are talking about a different jurisdictions, regulations, some serious business here, who is not on the level, just won`t understand the topic.

Hi to Everyone,
If your IQ is less than 90 or so, or you are 5 years old, please skip this post.
I am tired to see people here harming the great project with no arguments. I have posted this info a while ago here (check my previous posts).
Bankera is operating through a different legal entities (a common practice worldwide, different jurisdictions, purposes, diversification and etc.). One of them is Spectrocoin, so:

1) Spectrocoin is registered in the Lithuanian Registry of Legal entities : UAB „Spectro finance“ (they have been established in 25-02-2013 (sorry, second link in Lithuanian, „įregistruoti“ - to register)
https://www.registrucentras.lt/jar/p_en/index.php?pav=Spectro&p=1
https://www.registrucentras.lt/jar/p_en/dok.php?kod=303008845&pav=%2A&p=2

2) They are licensed by the Lithuanian Bank!!! I mean the Central bank which belongs to the Government, it is a governmental body to supervise financial market and it`s participants and you don`t want to do anything wrong to mess with these guys!! F*ck, Lithuania is a European Union member since 2004 and our central bank is supervised by the European Central Bank. Please fallow the link below, go to the official Lithuanian Bank`s website and find out, that Spectro finance has a licence to provide financial services:

https://www.lb.lt/en/sfi-financial-market-participants/uab-spectro-finance

Please pay attention to the company code 303008845, this is the same as in the section 1 of this post.

3) We can check public info from the Lithuanian Social Insurance Fund, how many employees has Spectro finance and how they are paying taxes. At the moment they have 37 insured persons (employees) and 0.00 EUR social insurance debt (payed every month in LT). Sorry, only in Lithuanian, but it is easy to check, go to
https://draudejai.sodra.lt/draudeju_viesi_duomenys/
In a section „Noriu peržiūrėti šią draudėjo informaciją:“ check all three sections. Below in a graph „Juridinio asmens codas“ (company code), enter Spectro finance`s company code: 303008845, and in the graph „Kontroliniai simboliai“ put in the captcha. Finally press „Ieškoti“ (Search).
There you will see „Apdraustųjų asmenų2 skaičius“ which means „Number of the insured persons“ - 37. Use a google translate if you want

UAB „Spectro finance“ is only one legal entity of the Bankera ecosystem.
This is the way how grownups are doing the search.
In your face HATERS! And a nice day to the others!

I am right now at Germany and I could not reach bankera chat. Website sahs that bankera do not provide services in Germany. One of the top 5 world economies! Are you working specifically on Germany?

Hi, Bankera, I would like some questions to be clarified. Given the present situation and the info from Tadas interview
https://youtu.be/vz6rXPRHONo

1. As I understand you were planing to launch Bankera wallets and exchange at the same time, but because you are following the strict financial regulations some bureaucratic questions arose and you had to postpone the launch of wallets (but you could not postpone the launch of the exchange). This has greatly complicated your launch plans. So basically you have everything in place for the Bankera wallets and you are just waiting for the bureaucratic questions to be solved?
2. The whole point of the BNK is to distribute the WR and to trade it for free on the Exchange. So why there are no BNK/XEM and BNK/DASH pairs? At the present time this would have been the only one small thing that the other exchanges do not have. The idea is to trade BNK pairs for free and you have launched the Exchange with coins who have no BNK pair!
3. What in the world stops you from paying WR on time? The only right way to do it is to every time pay WR on the same day of the week: tuesday, thursday it does not matter, but on the same day! I can not see any excuses here.

PS congratulations with obtaining more and more licenses!

TROLLS are kindly invited to f*ck themselves while skipping this post.

Hi, I hold my BNK at SC. The last time I have received my weekly revenue was December 11th (more than two weeks ago). Does anyone know what could be the issue? Have you received yours?

Excellent analysis of the situation around the project. I say thank you for the huge amount of work done. Only problem is the fact that this is your first post on this forum. Coincidence?
[/quote]

You are welcome. Like I have said, it was my first time ever posting in a forum related to crypto, sorry for the confusion it may have caused. I work in a field where it is my job to search for this kind of info (took me about 45 min to write it down) and since checking this forum has become my coffee brakes routine, decided to share it, because there are so many crap here and so little real info.
I can only imagine how much time it takes „to play by the rules“, issuing all that licenses and building a bank and how mush money they should be spending on lawyers and financial consulting in order to make everything right. But they do not communicate in right and this is not right, since the major amount of work done while working on the project stays unseen by the community.

PS I have noticed that links related to amount of employees are not working, in Lithuania we have a most popular commercial data base, you can also find all relevant info regarding Lithuanian companies there:
https://rekvizitai.vz.lt/en/company/spectro_finance/
https://rekvizitai.vz.lt/en/company/pervesk/

Hi, Everyone,
for some time, I am following this topic and, honestly, there are so many people here who has no idea what they are talking about, that I have decided to bring some more light to this discussion.
I am from Lithuania and I am used to gather the available official information from the official government resources. Please keep in mind that Lithuania is a member of the European Union since 2004.
So, let’s begin:
1)   When I want to check when was the company established, I would check the official website of Lithuanian Center of Registers:
http://www.registrucentras.lt/jar/p_en/index.php?pav=Spectro&p=1
As we see there is a company UAB Spectro Finance (Spectrocoin operational legal entity). We can also check on the page, that it was established on the 25th of Februrary 2013.
http://www.registrucentras.lt/jar/p_en/dok.php?kod=303008845
So, we have this company is more than 5 years old and started operating long before the ICO of BNK. They are not marked in red (first link), it means that they submit all the financial info to the government in time.
2)   UAB Pervesk (announced partnership), their company for the financial services (payment solutions) also is not in red
http://www.registrucentras.lt/jar/p_en/index.php?pav=pervesk&p=1
Established 22nd of February 2016. http://www.registrucentras.lt/jar/p_en/dok.php?kod=304186270
3)   When I want to check is the company healthy, I would check the official website of our Governmental Social Insurance Fund. It indicated that UAB Spectro Finance (Spectrocoin) has 37 employees at the moment and has no social insurance debt to the government. This is a green light for me, that it normal, operating company, paying their taxes in time (sorry, website only in Lithuanian, google translate will help you)
https://draudejai.sodra.lt/draudeju_viesi_duomenys/;jsessionid=F0D41B711078A4A244DB0DFBE59DE5CA
4)   UAB Pervesk – 11 employees and no social insurance debt
https://draudejai.sodra.lt/draudeju_viesi_duomenys/

Lets check the official info from our central bank – Lithuanian bank (governmental central bank, supervising all banks and financial institutions in Lithuanian)

5)   UAB Spectro Finance is registered in Lithuania as a financial market participant in category: Persons distributing e-money of an EMI established in an EU Member State
https://www.lb.lt/en/sfi-financial-market-participants/uab-spectro-finance#68
This means that they are supervised by Lithuanian central bank and have to follow strict rules.

6)   They have also one intermediary listed Prepaid Financial Services Ldt. (UK company)
https://www.lb.lt/en/sfi-financial-market-participants/prepaid-financial-services-ltd
It says founder UAB Spectro Finance, so probably we have one more operating company and since listed by Lithuanian bank, category: ‘’Electronic money institutions of EU Member States providing services in the Republic of Lithuania through an intermediary’’, they should have a license in UK and be supervised by the UK’s financial institutions. And 9 activities are listed (check the link above).
7)   I do not know how many employees they have in the UK. And how many people could be working for Bankera in other countries or freelancing for them and also how many services they outsource.
   When checking the Pervesk UAB it becomes more interesting
https://www.lb.lt/en/sfi-financial-market-participants/uab-pervesk#item-lists
9)   They operate in 29 member states of the European Union (check the link above), CEO: Vytatutas Karalevicius. And have a Electronic money institution license.

So, for all who are chouting scam or scamers: you are talking nonsense here, like a bunch of kids.
I am not a professional investor nor adviser, I am just the usual BKN holder (bought more on Hitbtc, than during the ICO), I think that it is a wise and strong team and they are truly building something great here.
They are not kids, they are following the rules and regulations and will not be shut down as a real scammers after one letter of Cease and desist.
Hope some of you will find this info useful.
As to Bankera: you have a serious lack of communication, we hope that you will fix this soon.