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It sounds great; the ICO returns look great, there is only one question to this project: Do we need it?

Well a blockchain based bank which could give grants would be interesting. I already invested a little in it, just wanted to see your opinion. Thanks for the feedback :)

Also what do you think about civic -key ? https://www.civic.com/

This is a great concept. Go for it

You will do great! Just be wise on when to pull your money out.