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I stumbled across BANKERA tonight, it seems really promising. Basically they own a pretty succesful exchange ( https://spectrocoin.com/ ) and now they want to start a BANK as well. The ICO is in two days (10% of it). Depending on how well this goes the regular ICO will start, which will be at a higher price. Also, an Interesting thing: 20% of the net transaction affiliate revenue share will be paid to BNK token holders EVERY WEEK. I mailed them how much their current revenue is so we can do some calculations on that! The website of bankera basically tells you everything. I recommend reading the whitepaper and look at the team behind it, very interesting people on board. Their current exchange has 300K users and is succesful already, now they want to get a bank license with the coin. I personally think this is very promising. I am planning to buy some from the initial 10% ICO. Not much, just a bit. Please be so kind to use my referral link below if you are planning to do so as well: https://spectrocoin.com I just deposited 6 Ripple into the wallet (converts to BTC/ETH or DASH) and it took about 5 minutes to process! I've been researching it now for the past day. Seems promising. Great team as far as I can tell. Some stuff out of the FAQ: