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.
PRE-ICO - August 28th - September 28th
10% of the tokens will be distributed to determine the price of the ICO.
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.
INITIAL COIN OFFERING - mid-October
30% of the tokens will be distributed to solve the capital issue so that we can build a successful bank for the blockchain era.
BANKING CAPABILITY - early 2019
After the ICO, a banking license will be obtained. This will allow us to offer loans and deposit services.
INVESTMENT SOLUTIONS - late 2019
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.
NEW TYPES OF MONEY - 2020
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.