can anyone tell me what are the specific differences from crypterium to Bankera? Because they look more or less the same.
can anybody from crypterium answer me please

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Dear Victor, we already answered your question, please see the copy of our previous answer below:
Most of competing services develop cryptopayment wallets. Thats great for sure, but Crypterium its not just a multicurrency wallet. We develop a set of products for customers and merchants.
Crypterium develops Credit subtoken, a unique decentralised lending solution for customers. Since the team has strong and approved expertise in acquiring we plan to develop cryptobanking solutions for merchants.
We wish the best of luck to the colleagues developing fintech services. Together we will create an integrated infrastructure for blockchain economy.
The one more important difference is the status of Crypterium token. CRPT token is the utility token. That means CRPT token represents an unit of service, not a share of a business. Thus, it has low legal risks unlike sec tokens.