Bankera ICO (BNK)

Banking for the Blockchain Era

Bankera is building a digital bank to last for the blockchain era. As a traditional bank, Bankera's services fit into three groups: payments, loans and deposits, and investments.


by expert rating and reviews

Token BNK
Platform SpectroCoin
Raised $43,900,000
Country Lithuania
ICO Start Date 27 Nov 2017
ICO End Date 27 Feb 2018

About Bankera

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.

Bankera will offer three core lines of services:

  • Payments including payment accounts with personal IBAN, debit cards, interbank foreign exchange rates and payment processing. All services will support both traditional fiat currencies as well as cryptocurrencies such as Bitcoin, Ether, DASH, XEM, ERC20 compliant tokens and others. In the long term, Bankera will implement innovative solutions as gross-domestic-product (GDP) linked currencies or use equity traded funds as a substitute for money.
  • Loans and deposits will be a key competitive edge as well as core service of Bankera. Not only saving, but also current deposits will receive interest. All Bankera clients will be able to benefit from higher interest rates due to proprietary information about borrowers' cash flows as most loans will be given to business clients of payment processing solution.
  • Investments solution will consist of low-cost investment products such as equity traded funds (ETFs), crypto-funds (a portfolio of various cryptocurrencies and crypto tokens) as well as roboadvisory solutions for wealth management. Later on, Bankera will offer investment banking services including financing corporate strategies of our business clients.

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.


Vytautas Karalevičius member of Bankera ICO
Vytautas Karalevičius
Mantas Mockevičius member of Bankera ICO
Mantas Mockevičius
Justas Dobiliauskas member of Bankera ICO
Justas Dobiliauskas
Craig Grant member of Bankera ICO
Craig Grant
VP for Business Development
Egle Eidimtaite member of Bankera ICO
Egle Eidimtaite
VP for Business Development
Rūta Čižinauskaitė member of Bankera ICO
Rūta Čižinauskaitė
VP for Marketing
Tse-Hsin Lu member of Bankera ICO
Tse-Hsin Lu
VP for Communication
Lon Wong member of Bankera ICO
Lon Wong
Antanas Guoga member of Bankera ICO
Antanas Guoga
Eva Kaili member of Bankera ICO
Eva Kaili
Modestas Kaseliauskas member of Bankera ICO
Modestas Kaseliauskas
Tax partner at TaxLink (Correspondent of Mazars)
Marc Kenigsberg member of Bankera ICO
Marc Kenigsberg
Founder of BitcoinChaser
Prof. Jochen De Weerdt member of Bankera ICO
Prof. Jochen De Weerdt
Process Mining Expert
Damon Rasheed member of Bankera ICO
Damon Rasheed
CEO of Rate Detective
Warren Lush member of Bankera ICO
Warren Lush
PR expert
Dr. Eugene Dubossarsky member of Bankera ICO
Dr. Eugene Dubossarsky
Data Scientist


  • 1


    The required IT infrastructure to facilitate payment processing and issue personal IBANs or payment cards have already been developed and are available as a minimal viable product (MVP) in the form of SpectroCoin.

  • 2

    PRE-ICO - August 28th - September 28th

    10% of the tokens will be distributed to determine the price of the ICO.

  • 3

    E-MONEY CAPABILITY - September-October

    Support of full P2P transfers, mobile wallets and the start of membership application of the major payment networks such as card schemes and remittance networks.

  • 4


    30% of the tokens will be distributed to solve the capital issue so that we can build a successful bank for the blockchain era.

  • 5

    BANKING CAPABILITY - early 2019

    After the ICO, a banking license will be obtained. This will allow us to offer loans and deposit services.

  • 6


    The launch of services related to low-cost investment solutions such as equity traded funds (ETFs), cryptocurrency and crypto token funds as well as robo advising.

  • 7


    The synergy between investment and payment products will offer new types of money such as economic growth linked currency or usage of ETFs as a medium of exchange.


Token Sale Info
Token BNK
Token Type ERC20, NEM
Platform SpectroCoin
Investment info
Accepting ETH, XEM
Hard cap 450,000,000 EUR
Raised $43,900,000

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