Haha this is hilarious to read
Over 100m raised.... for all the legit fanboys of this scam, just have a think about what that amount of money buys you in terms of R&D, marketing etc.
To the shillers, take a photo or get a staff member to take a photo of the office today with bankera and the date written on it. Unless youre trying to tell me that theres no one working there at the moment which would be completely plausible considering the amount raised at ico. This will completely destroy any fud argument.
Again one of the offices can be seen at this documentation from a lithuanian TV documentation regarding Fintech and Blockchain in Lithuania:
https://www.youtube.com/watch?v=K8KS-F4Z7eE&t=623sAnd don't tell me the whole TV documentation was faked
So any FUD argument so far has been destroyed. You are just coming up with the same unproven accusations.
Regarding the 100m raised: You don't really believe that a sheer amount of money means that R&D happens in a super fast speed? Some processes (like obtaining licenses and permissions) can't be accelerated through money. Same applies to many other things. In todays market it is not easy to find qualified developers. Especially not in the hyped and quite new blockchain space. And even if you find some good developers, you need to integrate them into your team, train them, etc.
It is good that they are keeping the money together and additionally they need the funds for their loans service. We must consider that Bankera is a relatively new player and it will take some time till they have an ecosystem up and running. We have to see that they are operating in a space becoming more and more regulated (Banking & Blockchain combined) that can also slow things down. Nevertheless I must admit that I would wish them to be faster too.