So indeed, make some research, guys. Unbiased research. Not "looking for the red flags"; not "blindly trusting the promises of happy future". But check the facts. We can only support this suggestion - rational and objective thought is the best in our case
Let's talk about facts, buddy:
1. Universa Bank was promoted in 2017, before ICO. Fake.
2. Collaboration with E&Y was promoted in 2018. Fake.
3. Collaboration with Alfabank was promoted in 2018. No news until today. Fake.
4. Collaboration with Novotrans was promoted in 2018. No news until today. Fake.
5. Collaboration with LANIT was promoted in 2018. Any news until today. Fake.
6. Collaboration with the Malaysia Government was promoted in 2018. The project was stopped 6 months ago.
7. uHODL was promoted in 2018 and should be created till Summer 2019. Any news until todayFake.
8. And my favorite point. The biggest government project with blockchain support in Russia was promoted in June 2018 and should be created till the end of 2019. Any news until todayFake.
It's not a full list of fakes in Universa history, it's just what comes to mind in three seconds.
Come on, this is not your pocket chat where you can ban everyone in a row and make a beautiful picture for the report to Mr. Borodich with your bot accounts. If you are planning to tell tales about NDA again, better go back to your chats to your stupid followers.