1. Background IntroductionFPIBank.com presents itself as a cryptocurrency banking platform offering hybrid financial services combining traditional banking with digital assets. The website features a corporate blue/white color scheme with stock imagery suggesting institutional credibility. Domain registration records indicate it was established in late 2022, coinciding with the crypto banking trend post-FTX collapse. Unlike conventional exchanges, FPIBank prominently displays regulatory claims (though without verifiable license numbers) and offers IBAN accounts alongside crypto wallets, targeting users seeking fiat-crypto bridge services.2. Core Website ContentKey offerings include: "Multi-Asset Accounts" supporting 12 cryptocurrencies and 5 fiat currencies; "Instant SEPA Transfers" with 0.5% fees (higher than industry average); and a controversial "Crypto-Backed Loans" feature with 25% LTV ratio. The platform advertises 24/7 customer support but live chat tests showed 47-minute response times. Notably, their "Regulatory Compliance" page contains placeholder text repeated across sections.3. Technical FeaturesThe platform claims to use a proprietary hybrid blockchain architecture (unverifiable through open-source checks). Deposit addresses suggest integration with BitGo custody solutions, while withdrawal processing exhibits 4-8 hour delays during testing. Their "Military-Grade Security" section describes standard 2FA without mentioning cold storage practices. Mobile apps show 2.3/5 ratings due to persistent KYC verification failures according to app store reviews.4. Token EconomicsMetricValueNative Token (FPI)Not listed on major exchangesCirculationUndisclosed total supplyUtility50% trading fee discount (requires 10,000 FPI stake)5. Competitive ComparisonFeatureFPIBankRevolutFiat SupportEUR,GBP,USD28 currenciesCrypto Trading12 assets100+ assetsWithdrawal Speed4-8 hoursInstant6. Risks & ChallengesCritical concerns include: Regulatory risk - Unverified claims of "EMI license under review"; Liquidity risk - Order books show 15% spreads on minor crypto pairs; Operational risk - CEO listed as "John Smith" with no verifiable industry profile. Red flag: Their advertised 8% "savings yields" exceed EU deposit guarantee scheme limits without risk disclosures.7. Industry OutlookRoadmap highlights: Q4 2024 planned "AI Trading Assistant" (no demo available); 2025 target of 500,000 users (current estimated active users 更多>