Digital technology has changed the face of finance. Most notably, perhaps, the birth of Blockhain has enabled us to digitalize money via cryptocurrencies such as Bitcoin. There have been many attempts to apply Blockchain technology to revolutionize other finance sectors. However, so far, most FinTech companies have been focusing only on a certain niche (e.g. remittances or lending) as they cannot take advantage of economies of scale enjoyed by traditional banks. Traditional banks, although have the funds, are not as fast at adopting new technologies as they are held up by legacy systems.
Bankera aims to revolutionize banking by taking advantage of what blockchain technology has to offer while still focusing on scale. This means that Bankera seeks to become one-stop store for all financial services, in the same way traditional bricks and mortar banks are now, while using technology to reduce the number of counterparties, thus lowering the cost of banking for the end consumer. Adoption of blockchain technology will also allow Bankera to offer new and unique solutions to its customers.
Services
Bankera will offer three core lines of services:
Status Quo of Bankera
Bankera will be operational and will have significant IT infrastructure in place prior to the initial coin offering (ICO).
Bankera already has the necessary regulatory and IT arrangements to offer individual international bank account numbers (IBAN) which can accept and make payments in the Single Euro Payments Area (SEPA). Bankera also offers competitive foreign currency exchange rates, quick and cost effective international bank wires as well as having the “Bankera Payment Card” linked to cardholder’s payment account.
All of these services can be tested at SpectroCoin, cryptocurrency exchange, e-wallet, debit card and payment processor provider of which Bankera will be an operational fork. What has been developed so far will serve as a minimum viable product for Bankera to begin operations. However, to achieve its goal to become a fully operational bank service, Bankera needs to obtain capital.
为了实现这些目标,Bankera将申请额外的银行业务,为了实现这些目标,Bankera正在建立一个数字银行,持续的重点将放在规模上,淘汰交易对手,并提供储蓄和贷款账户等核心银行服务。主要司法管辖区的许可证能够以各种不同的法定货币运作,并促进跨境交易,而无需对手方。
Bankera当前技术的核心元素包括SWIFT消息传递,SEPA支付,支付卡集成,银行分类账,比特币,以太坊,DASH,NEM模块,欺诈分析等模块。
源代码:  代码不可用。 开发者证明:公共团队
IT基础设施的发展
PRE-ICO - 8月28日 - 9月28日
电子货币能力 - 9 - 10月
初始硬币发行 - 十月中旬
银行能力 - 2019年初
投资解决方案 - 2019年底
新的类型 - 2020年
BANKERA is banking for the block chain era which tends to revolutionize financial services.
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The world of finance has been changed by the growth of technology. For example, the Blockchain technology has brought about digital money through cryptocurrency. So many efforts have been undertaken to apply this technology in transforming other sectors of finance. However, the efforts have been concentrated at specific niches like lending or payments. This is because the current FinTech companies don’t exploit economies of scale that the traditional banks have been enjoying.
On the other hand, the traditional banks are not implementing new technologies despite having funds. This is because they have been hindered by the legal systems. Bankeras aims at closing on this gap – Work like a traditional bank but use the technology.
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