Hi Hive account@dongiovanni ... thank for the tip re Bankera. Will check them out today for sure. Crypto friendly banks are surely in high and increasing demand. Yeah, the CPAY pre-sale is out of my reach. The main sale still has decent incentives, though, at min 0.04ETH, iirc. Certainly not gonna bet the farm. But I reckon this company has a better chance than most, as far as ICO opportunities go.