I was going to invest in Crypterium, but chose not to. The reason is because I don't see Cryptobanks becoming useful until cryptocurrency truely goes mainstream which may be a while. Crypterium wants to implement a full infrastructure of POS, apps, tokens, and other things that can only be profitable if a very large amount of businesses adopt the technology. I would look carefully at these projects before investing because they may not be feasible in the time frame they have provided. As for a quick profit, I think they are very good opportunities to dump quickly and triple or quadruple your investment. Although, this strategy is frowned upon in the crypto space so I would advertise that if you do it. Good luck!
Though I agree that it may take a while for cryptocurrency to go mainstream, but we are going there. And I am pretty sure a lot of businesses are already in the works to learn how to adopt the technology, make using these cryptocurrecies as simple as the traditional money, then it's only a matter of time.
As for cryptobanking, I think more and more private companies will come up cryptobanks, and with a lot more reason to invest about, so we have to wait and see.