[Spectrocoin](https://spectrocoin.com/en/) is basically a debit Visa card linked to a few crypto wallets, including Bitcoin, Ethereum, Dash and XEM. There are also GBP, USD and EUR separated accounts, all managed through a web and mobile interface.

But the ambitions of the team behind this project are way bigger, as they want to build a crypto bank called "Bankera" on top of this card (which is lately called just "our MVP project"). The concept of a " crypto bank" may seem completely decoupled from the decentralization usually associated with blockchain, but, as with any other thing in our lives, there must be some middle ground. And the challenge of finding this middle ground may be rewarding, in the end.

So, say about this intention what you want, but each week Bankera distributes 20% of their net transactional revenue (profits from transaction fees) to their BNK token holders. 

Last week, this transactional revenue went above half a million EUR, as you can see from this excerpt from their newsletter:
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![Screen Shot 2017-12-27 at 2.49.21 PM.png](https://steemitimages.com/DQmSzZrVkm9NXZgyTqfd3TCRXPMECkLoHPCbyBZaLkpcks7/Screen%20Shot%202017-12-27%20at%202.49.21%20PM.png)
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I know very few fintech startups which are already distributing their profits to their stakeholders (STEEMIT is one of them, by the way) so I thought this is worth mentioning. Paying around 100,000 EUR each week to your token holders is not something trivial.

Especially since your ICO is still [unfolding](https://bankera.com).

_Disclaimer: I own a certain amount of BNK tokens._
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_I'm a serial entrepreneur, blogger and ultrarunner. You can find me mainly on my blog at [Dragos Roua](http://dragosroua.com) where I write about productivity, business, relationships and running. Here on Steemit you may stay updated by following me @dragosroua._
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_If you're new to Steemit, you may find these articles relevant (that's also part of my witness activity to support new members of the platform)_:
* [Rewards: Were Does The Money Come From?](https://steemit.com/steemit/@dragosroua/steemit-newbie-faq-rewards-were-does-the-money-come-from)
* [Netiquette: How To Avoid Being A Steem Douche?](https://steemit.com/steem/@dragosroua/steemit-newbie-faq-netiquette-how-to-avoid-being-a-steem-douche)
* [Witnesses: What Are They And Why Should You Care?](https://steemit.com/steemit/@dragosroua/steemit-newbie-faq-witnesses-what-are-they-and-why-should-you-care)
* [How Can I Mine Steem And What CPU / GPU Power Do I Need For That?](https://steemit.com/steemit/@dragosroua/steemit-newbie-faq-how-can-i-mine-steem-and-what-cpu-gpu-power-do-i-need-for-that)
* [The Beginner Guide To Not Getting Hacked On Steemit](https://steemit.com/steemit/@dragosroua/the-beginner-guide-to-not-getting-hacked-on-steemit)