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Thank you for your questions.
 Indeed, there are two tokens.
Each user of Bank4YOU’s mobile wallet has an account where tokens can be stored in different local currencies as well as in the BFY token. Users can use available tokens for money remittances, to exchange them for other tokens, or can exchange them for local fiat currencies through an agent system or use as payment for goods and services.
The Bank4YOU Group (BFY) ICO token on the Ethereum platform will be implemented for those keen on long-term profit from system activities. The BFY token will allow profit on transactions and through other financial operations in the system. Besides, the BFY token holder will be allowed to purchase MMR tokens on discounted price, which means cheaper services on cross-border transfers.
The company has also created its own crypto currency, the ‘MMR’ token, which underpins its Blockchain system for mobile money transfers. Remittances will be executed via mutual agreements between customers and partners regardless of their respective locations.
The token, called Mobile Money Remittance or MMR, payment capability enables payment with fiat money stored on Bank 4YOU Group’s account at mobile network operators with deposits mainly in US dollars. 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.
 

MMR token purchase in return for tokens of BFY is possible on the floating rate, but with a fixed 2.5 per cent discount. This provides BFY holders with exclusive access to the system of cross-border money transfers. In order the participants got profit from the functioning of money transfer system, a special fund is formed by one per cent of all MMR token transfers’ amount inside the system. These means are then distributed
among all token holders of the system (both MMR, and BFY). Thus the system rewards the users for supporting it. The dividend payout will be received quarterly (on condition that the payment amount excesses a commission amount necessary for making a payment). Thus, a purchase of a system tokens constitutes a passive income.
MMR token holders will be paid by automatic accrued payment system. Availability of audit trail of a private Blockchain in public ethereum/Bitcoin Blockchain will provide for a transparent and fair accrued dividend scheme .

We have referral programme, it  works by means of distribution of a referral code and provides fixed remuneration at a rate of 40 BFY. The main condition should be followed such as there should be BFY tokens purchased during the ICO campaign on the user's account. The one who sent and the one who activated the referral BFY code will receive bonus at a rate of 20 BFY each and referral tokens will be granted after the end of ICO only to those who made an investment and will be sent to the user's Bank4YOU wallet.

As for the bonuses, her we go.
In case if one wishes to purchase BFY via fiat money, there’ll be provided an additional 5% bonus. These currencies are accepted during the ICO: BTC, ETH, GBP, USD, EUR.
Special Packages have been designed for those purchasing 5000 tokens (Standard Package) and 15000 tokens (Premium Package). Corporate card and Premium card respectively will become our gifts to devoted investors.
bonuses are also distributed during ICO:
Pre-sale: +20% bonus
1st round: +15% bonus
2nd round: +10% bonus
However, third round won't offer any bonuses.

Yes, that's true. We understand importance of the correct identification and will do the following.
To provide customers with accurate lending mechanism it is offered to transfer the mechanism of credit history on Blockchain. In order to avoid disclosure of private data no personal user’s information will be stored in the Blockchain, just the biometric information protected by cryptographic means. The user will voluntarily provide it in order to receive lending assets or access transaction history connected with the
digital identity of the real person. The benefit of the system is knowing it is impossible to obtain any information on the transaction history of a specific person without possessing their biometric data, thus protecting users against any malefactors. It is indeed very difficult to counterfeit biological identifiers. There is a plan to create a Blockchain that would store the crypto currency loan credit history of those who voluntarily provide this information. Bank4YOU Group’s aliated agents/ partnering organizations will be able to make records on Blockchain. In other words, an initiation of the smart contract in which the next information will be specified.

Smart contracts will have the following information about borrower:
- Amount of loan
- Address of creditor
- Credit interest rates
- Series of loan charges
- Unique biometric indicator of borrower

The smart contract checks whether payments are made fully and in time to the creditor. If payments are made according to stipulated conditions, the borrower's credit score is automatically raised or in the opposite case it is reduced. In case the borrower attempts to apply for new credit, they would be refused. Provided biometric data allows to unambiguously identify the person’s credit history, the reverse procedure is impossible. Credit history cannot be associated with a person due to the realization of unique biometric
identifier.

The unique biometric identifier consists of a person’s scanned eye retina and scanned fingerprints. These indicators allow for quick and reliable identification of each person in the world. This feature does not require provision of any passport data as it is subject to just minor mistakes. The only problem lies in the compatibility with the existing standards of know your customer procedure.

The new application will be declined if smart contract contains information about improper loan installment payments by person.
Surely, you can do both, to take loan and send it to someone else. Moreover, you can withdraw the amount borrowed by your own self, too.

Mobile means that we work with mobile operators, that is correct. One of the biggest concerns for most people travelling to another country for extended periods is how to obtain access to banking services without the need to be a resident of that country. Bank4You Group makes it really easy for visitors to make in-country as well as cross-border payments, without the need for proof of residency or a local bank account. Its secure money transfer is based on use of state-of-the-art mobile app.
Our partners are Orange, Teletalk, Telenor, Airtel, Nar, Singtel, Veon, Bakcell, Bangalink, Robi. We also always are open to new partnership, therefore range of operators we work will be growing.

Hello, no, we do not need escrow.
To protect precious and vulnerable information, we will use blockchain based smart contracts, so that will be safe enough. We have been dealing with financial safety long enough.
To provide customers with accurate lending mechanism it is offered to transfer the mechanism of credit history on Blockchain. In order to avoid disclosure of private data no personal user’s information will be stored in the Blockchain, just the biometric information protected by cryptographic means. The user will voluntarily provide it in order to receive lending assets or access transaction history connected with the
digital identity of the real person. The benefit of the system is knowing it is impossible to obtain any information on the transaction history of a specific person without possessing their biometric data, thus protecting users against any malefactors. It is indeed very difficult to counterfeit biological identifiers.