Polybius.io. Is it a scam or an revolutionary financial project?

Polybius Payment Institution (PI) or Polybius Bank – is a major project developing into a revolutionarly fully-digital bank that incorporates electronic identification and digital banking services to serve the needs of rapidly developing Digital Commerce Market. Until now more 7 millions US dollars is invested. Is it a scam or an revolutionary financial project?

In order to provide a range of reliable, secure, and easy-to-use financial services,Polybius or Polybius Bank Projet aims to buid a revolutionarly fully-digital bank that not only get access to a variety of financial services, but will
likely be among the first to get the PolyID that will plug them into the Digital Pass environment.

To raise the fund for supporting the project, The Polybius Foundation use ICO (Initial Coin Offering) by
issuing Polybius Tokens (PLBT) through the smart contract system operated by Ethereum. PLBT Tokens in aggregate will have the right to receive 20% of profits. The profit of the project seems to be satisfied.

However, there are some concern about the project. First of all, it is very difficult to build up a comprehensive digital banking system within short period of time. The digital banking has to be supervised by the government and it may take years to be accepted as a authorized as a digital bank. Therefore, the project needs lots of time to carry on despite raising many money. Secondly, the most worried part is that there are 25% bonus for those who invest the project at the beginning. After ICO, the PLBT will be connected to the market, which may cause large amount of PLBT selling out since the investors have already got 25% profit so that the price of PLBT may dive steady, or even the Polybius Foundation can't pay for the price of people selling
PLBT, bankruption in result. Although the project is potential, there are some risks of it.