Launched on Dec 25, 2016, Obyte is a distributed ledger based on directed acyclic graph (DAG). Thanks to absence of blocks and miners, access to Obyte ledger is decentralized, disintermediated, free (as in freedom), equal, and open. Obyte is the first DAG based cryptocurrency platform to support dApps. Due to absence of miners and blocks, there is no risk of front-running and other miner manipulation, and dApps are safer and easier to develop than blockchain based dApps. DApps are developed in Oscript - a new language that avoids many unsafe programming patterns common in earlier dApp platforms. Thanks to its safety, Obyte is especially well suited for DeFi apps, some are already available on the platform, such as Discount Stablecoins (https://ostable.org), some are being developed. Other features include: self-sovereign identity, private untraceable currencies, sending crypto to email using textcoins, and extremely small-footprint libraries suitable for small IoT devices.
Bankera is an operational fork of SpectroCoin. As SpectroCoin to be competitive has developed bank-like infrastructure, but was not intended to become a proper bank, it is releasing Bankera to leverage its regulatory and IT infrastructure to develop a bank for the blockchain era. Bankera as a proper bank will offer payments, investments, and loan and deposit solutions. Later on, it is planing to develop new types of money, such as inflation linked baskets.