I am a noob in the crypto universe but have been in the financial markets for more than two decades. Now, i do not want to put Bankera down or pretend that I understand it totally, but their crowd funding ads and tactics give me the feeling that it is just another Ponzi scheme.... Again i am not saying it is or it is not, all i am saying that with promises like what they are offering, they should have handled their crowdfunding more professionally.