Reading their white paper:
https://bankera.com/papers/Bankera_whitepaper.pdf
"Bankera is building a digital bank to last"
Building a digital bank that has not yet obtained any banking license. And I like the sentence "to last". Thanks.
"There are three core elements to ensure success when building a bank: capital,
technology and compliance"
-Capital would of course be provided by investors in the ICO
-Technology: "Most of the technology required for successful operations for Bankera is already
developed and will be ready for testing as a minimum viable product prior to the ICO. "
But they do not provide any proof of that, so it's a question of faith.
-Compliance. What does it mean to setup a bank based on compliance?. And they only mention that " Bankera will develop an extension for its KYC and fraud screening technologies"
So how are they building the bank with these three pillars:
Don't laugh! It is serious, it is published in their white paper (page 10).
Finally, they mention that the success of the new bank, will be based on the experience of Spectrocoin:
But there is no way to check it, as the company does not publish its financials.
All in all, I cannot understand why any person would trust this project with the information available.