Loki combines a private transaction network based on Monero with economically incentivised service nodes to create a trustless quorum based networking protocol. This protocol allows anyone to route small packets of data in an anonymous and decentralised way. The front end applications that use this packet routing system are private-by-design, and are known as Service Node Apps “SNApps”; the first of which is the Loki Messenger - a decentralised, anonymous and private messaging service. Check out Coinbureau for the complete review of Loki Coin.
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.