Those are not exactly valid points, as their team consists of a bunch of other people who all have relevant experience, maybe not exclusively in blockchain tech but in overall finance and development. Change offers everything TenX, Monaco, Polybius, ... offers, but also everything a bank offers, including insurance and loans.
Why would we put our cryptos in a bank? We won't. Change isn't ment to be a centralized financial entity but rather a decentralized banking network, fully supported by the network.
To say that you are a "Blockchain Expert" when you worked as an Inside Sales Rep until 1.5 months ago is an outright lie.
To say that you are a "Blockchain Developer" when you've never developed any blockchain is an exaggeration at best, or a lie at worst.
If the team is willing to lie about this, you'll never know what else they're willing to lie about.
I only spent 5 minutes to find out the above. Here's what I found in another 2 minutes:
Change-Bank's "CTO, Blockchain Developer" was an iOS Developer at Montise Create until March 2017. Cannot find any info on Montise Create. How knowledgeable is this guy in managing developers, or about banking, or about cryptos?
How would Change be able to give loans, if people do not give them money (cryptos)? Someone doesn't understand how banking works.
What problem is Change solving in insurance?
I consider myself to be a cryptocurrency expert as well, as I can answer 95% of questions people ask me about it, because I've spend the last 9 months studying hours upon hours a day, learning how to trade, read graphs, research dev teams, and so on. But, if you look at my resume, you'll see that I 'technically' have 0 experience in that area because I spent the last years working in insurance.
The company you're looking for is called Monitise Create, probably a spelling error.
I've seen multiple startups grow to multimillion companies over the course of 2 years, not because they had experienced managers but because those managers were able to learn on the spot. One of my best friends is CFO in 2 LLC's and 1 international trading company. The only experience he has is learning on the spot. I've grown my portfolio with over 700% in less than 6 months and by the end of this year I should have doubled my monthly income through trading and consulting on the side. My experience is reading on fora like this one, and spending hours upon hours studying trading and finance when other people (my clients) binge watch another netflix series. Experience doesn't prove as much as people say, your attitude is much more important.
Change will be able to give loans through the network. It'll take away some anonymity, as it'll require background checks, but I'm sure it'll be more like going short or margin trading on an exchange. I imagine it'll be like me investing 1BTC my friend loaned me and giving him back 2BTC 1 month later.
Change will solve mostly insurance problems when travelling overseas and you don't have the time to arrange insurance with a standard company. It will use the blockchain safety and speed to provide insurance a lot faster.
You missed the point.. these are NOT SUPPOSE to be "Startups" or "companies"
Not helping shady dev's fabricate centralized fake little crypto companies for ROI's.
Wrong you are an idiot and have the same retarded idiotic mind set as all the other noobs here.