Polybius ICO

Another ICO I have been hearing about a bit is Polybius Bank.  There is 1 day and 10 hours until it goes to the exchanges.  Unfortunately the time to get the bonus has run out but they offer dividends for token holders.  According to their website  "100％ of Dividend Tokens grant the right to receive 20％ of Polybius Bank dividends".   I have invested in it already and I was wondering if anyone else is as excited about this as I am? (I doubt it) I added the road map at the bottom.  Any thoughts?

POLYBIUS BANK ROAD MAP

$1.5M

Authorized Payment Institution

• - P2P Loans
• - Investment Portfolios
• - EBA Clearing
• - SWIFT Membership
• - EPC Rulebooks
• - API License*
• - Payment Services

$3M

Electronic Money Institution

• - Consumer and working capital loans
• - Foreign Exchange
• - Card Issuing and Payment Acquiring through a BIN Principal Member*
• - EMI License*

$6M

Commercial Bank

• - Credit Cards
• - Savings Deposits
• - Open API Apps
• - Card Scheme Membership
• - Bank License

$10M

Digital Pass

• - Blockchain
• - Big Data
• - Applied AI
• - Internet of Things
• - eSignatures
• - eSeals

$25M

SME Financial Marketplace

• - Venture Capital
• - Crowdfunding
• - Insurance
• - Brokerage

 
5

SME Financial Marketplace

• - Venture Capital
• - Crowdfunding
• - Insurance
• - Brokerage

$50M

Venture Capital,
Crowdfunding

All funds over $25m go to the SME Financial Marketplace investment and operational capital

$100M

Insurance,
Brokerage

HERE IS SOME ADDITIONAL INFO AS WELL AS THE WEBSITE LINK 

Symbol:PLBT

Total supply:20,000,000 (twenty million) 

tokensAdjustable:Yes. All unsold tokens will be burned

Initial Rate:Price per token, locked. 1 token = 10 USD 

https://polybius.io/

There are so many great ideas out there. It is hard to determine what will work and what will not so I try my best to lean towards things that I can see the being beneficial.  Could be completely wrong. (Not like I've never been wrong before).  Anyways, thoughts?