If Minex does not cancel parking option,Minex bank will bankrupt for at most 4.5 months.
Good point but they are intended to reduce the parking rate after card launch. It was announced in telegram group and therefore there is nothing to worry about.
The 172.000 mnx that thunder jet was referring to was before the last change. And has since been reduced considerably
Reserve will last alot longer then the 4.5 months he's suggesting.
It is 127500 per month not 172.000.It is not mine number ,but from Minex official report. Yes,parking annual rate decreased to 70% ,but volume of parked coins increased.
If we took relative conservative CMC estimation, there are now about 1.6 millions of MNX at parking(total - circulating supply).At month rate of 5.83% ,Minexbank have to pay about 93280 coins per month.
Minexbank has 575000 coins ,so it will last max. 6 months.
Also we can take another ,possibly even better estimation.Till parking rate decrease in May, Minexbank paid 400000 coins as parking interest and had 1.1 millions MNX in bank.Now Minexbank has 575000 coins.It paid about 525000 coins for 6 months or 87500 per month.With this rate, Minexbank will last max. 6.5 months.
Both estimations have very close results,which gives them much more credibility. In reality Minexbank will last less,because of constant increase of parking coins.How less ,hard to estimate due to difficulty to make precise calculation of parking coins increasing rate.
Yes your right that the minexbank rates are still not sustainable but it's not like the team doesn't know that
They created the minimum locked amount on the card to reduce the amount of parked coins. Also people will be storing coins later on the web wallet which you can't park. As mnx gets more uses less coins will be parked.
Rate reductions will help aswell.
Time will tell if that works to make minexbank sustainable.
but if not they can always change the coins consensus rules to increase the block reward and have a higher fee for minexbank (ofcourse without decreasing reward miner as that will be something wouldn't accept. And if that doesn't park they could always add a new consensus that will generate for example 10.000 coins every x amounts of blocks the minexbank. But that should be a last resort and rather be avoided as this is basically printing money and devaluing the coin.
There is still enough time minexsystems to make the bank sustainable.
Yes,Minex started payment cards program to decrease pressure on Minexbank. Now,after Novarise Secrecy failure,they are on the begining of card program.As it can be see from other companies,after Wave Crest failure,it is very difficult and slow process which takes about 8-10 months to be realized and that means they cant count for a long time on cards to decrease pressure on coin. Also ,no way that Visa or Mastercard will give them worldwide license.At best ,Chain2Pay which is registered in EEA zone can get license only for EEA zone.
Another problem is that Minex already sold 3 of 5 millions coins or about 60%. They need money to pay workforce and expenses and with MNX price so low ,they will need much more coins to sell.
Decreasing parking rate can help Minexbank to live longer,but smaller incentive will make more investors decide to sell coins,take money and go.At the same time ,because of low price,Minex will need to sell much more coins to cover expenses.It is like perfect storm,whatever they do,price of coin will go further down with bad consequences for company.Except card program which is a very long shot and will take months,there are no other viable option to tie a lot of coins without paying interest for them.
Iam very sceptical about it.My opinion is that is not a question will Minex fail,but just how fast.Only miracle can help them now or to find angel investors willing to save them.As you said time will tell.
If you're going to post here, you better learn the language. 
