What garden variety ICO already has a fully working infrastructure, bankera is an evolution of spectrocoin. The ICO funds go towards developing a REAL banking service. They have members of parliament on their team and the CEO of NEM on their advisory board who is donating all of his proceeds to the NEM foundation (a very selfless thing for a "eastern European hacker" . You couldn't have picked a worse ICO to accost. DYOR before speaking so confidently, you just sound naive to anyone who knows what you're talking about.
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