LakeBanker Free Banking for the World

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Mission
Despite advances in technology the traditional banking sector remains inefficient, expensive and for many impossible to access. Today, the under-banked / no-banking population of the world is 5 billion people. Our mission is to make banking free, for everyone, forever, and to deliver more advanced financial services, including access to cryptocurrencies, at a much lower cost.

Concept: Crowd Banking
Using the latest technology we will coordinate a Peer-to-Peer market in which individuals supply banking services to one another. We will have some employees but millions will work for us. The system will be accessed by an easy-to-use mobile app designed for individuals and merchants where sending a payment, exchanging money, or investing in the latest Blockchain technologies will be as easy as sending a text message.

Without the need for high-street branches, ATM machines, cooperate offices, or thousands of salaried employees, the LakeBanker system has little operational overhead and can reach areas of the world without traditional banking infrastructure. Money will flow with little friction, from one person to another, from one currency to another and from one country to another. Technology has overhauled many industries. We do that now for banking. This is how we bring free banking to the world.

LakeBanker will
  • do strong due diligence and risk management and KYC/AML.
  • make cryptos available to billions.
  • offer Free domestic and international payments (vs. bank wire, Western Union, MoneyGram).
  • offer Free payments to merchants (vs. Visa, MasterCard, BitPay, Coinbase).
  • grow exponentially with the free services and crowd banking model.
  • eliminate ATM machines and POS machines.
  • reach billions of users in the world, including those unbanked and underbanked, as our risk-adjusted return is high and operational cost is low.
  • offer affordable and accessible loans.
The Token: BAC
A new token called banc (BAC) will become the de facto currency in the LakeBanker system, where all fees and interest will be denominated by BAC. BAC will be based on the Ethereum blockchain and ERC20-compliant. The total number of BAC will be 500,000,000 (500 million), of which 250,000,000 will be offered in the Token Sale, 125,000,000 will be reserved for our User Growth Fund, and the remaining 125,000,000 will be distributed to the team. There is a 4-year vesting schedule for the team tokens, where only 25% is available for trading every year.

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