On the 23d of November COO Paul Griffith showcased the MMRS in front to blockchain experts (including investors and local politics) at GCC Blockchain Conference in Dusit Thani, Dubai. Watch our report: https://youtu.be/gqDzndniqXY

Yes, we have a working version of the application.
You can download the application at this link:
https://itunes.apple.com/ua/app/bank4you/id1069036395?l=ru&mt=8
https://play.google.com/store/apps/details?id=uk.bank4you.client

Also we already own unique card solutions packed with a range of state of the art mobile banking services. In addition, easy-to-use free of charge mobile Bank4You app, created by a team of experienced fin-tech specialists.

Hello, there!
You can use Ethereum , Bitcoin and Bank transfer (SWIFT SEPA):in USD EUR GBP

ICO is launched in order to accelerate the goal of scaling its service rollout across Africa, Asia, and Latin America. Based on current Bitcoin pricing and investments achieved by other similarly sized projects in the same sector, an indicative estimate for the total funding requirement is $10 million. This funding is required to support the company’s expansion into new markets and to develop enhanced services (including consumer micro-loans and the incorporation of Bitcoin and other crypto currencies within its money transfer services). It is expected to drive exponential customer growth, and the company believes it will have a significant positive impact on its market value.

Established in 2013 and headquartered in London, UK, in 2016 Bank4YOU transformed into Bank4YOU Group, an international consortium of  fin-tech service companies operating within the electronic mobile payment services arena.
In case of any suspects, do not hesitate to visit the https://bank4you.io/#ico_team site section and carefully research LinkedIn profiles (just click IN under their names) of all persons taking part in the ICO. Take some time to browse and you'll be surprised at how serious they are.

So during ICO i can only buy BFY token, am I?

Do I always need to buy tokens to transfer money?

And how do I use tokens in your app?

 The MMR token is issued once fiat money is placed and can be freely converted into several means of payment in various countries: fiat currencies, mobile money, airtime minutes depending user needs and local market specifics.