Bankera is building a digital bank to last for the blockchain era. As a traditional bank, Bankera's services fit into three groups: Payments including payment accounts with personal IBAN, debit cards, interbank foreign exchange rates andShow more [+] payment processing. All services will support both traditional fiat currencies as well as cryptocurrencies such as Bitcoin, Ethereum, DASH, NEM, ERC20 compliant tokens and others. In the long term, Bankera will implement innovative solutions such as gross-domestic-product (GDP) linked currencies and the use of exchange traded funds as a substitute for money. Loans and deposits will be a key competitive edge as well as core service of Bankera. Current deposits will receive interest just as savings do. All Bankera clients will be able to benefit from higher interest rates due to proprietary information about borrowers' cash flow, as most loans will be given to business clients who use the payment processing solution. Investments will consist of low-cost investment products such as exchange traded funds (ETFs), crypto-funds (a portfolio of various cryptocurrencies and crypto tokens) as well as roboadvisory solutions for wealth management. Eventually, Bankera will offer investment banking services including financing corporate strategies of our business clients.
Bankera’s founding team already owns and operates a successful cryptocurrency exchange, e-wallet, debit card provider and payment processor. This product is operated under the brand name SpectroCoin. The success of SpectroCoin has provided proof of concept for Bankera. What has already been developed will serve as a minimum viable product for Bankera to begin operations. The contribution of SpectroCoin to Bankera will be not only IT and regulatory infrastructure, but also an introduction of Bankera services to 850,000+ existing clients of SpectroCoin and share of a SpectroCoin’s talent pool of 70+ blockchain specialists.