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![](https://gimg2.gateimg.com/image/article/16754112361.jpeg)
**<font size=4>Time: Oct 21th, 2022, 11:00 UTC
[Gate.io](https://www.gate.io "Gate.io") hosted an AMA (Ask-Me-Anything) session with the CEO&Founder of Bnext, Guillermo Vicandi in the [Gate.io Exchange Community](https://t.me/gateio "Gate.io Exchange Community").
Official Website: https://bnext.es/token 
Twitter: https://twitter.com/yourbnext   
Follow Bnext on [Twitter](https://twitter.com/yourbnext "Twitter") and [Telegram](https://t.me/ggrGpFtLEyNTNk "Telegram")
</font>**

**Guest**
![](https://gimg2.gateimg.com/image/article/16754114492.jpeg)
**Guillermo Vicandi — CEO&Founder of Bnext**

## Q&A from Gate.io
### Q1: What is Bnext, the platform behind the utility token B3X?
**Guillermo**: Bnext is the leading Spanish Web3 financial platform, leveraging its product release on blockchain and its utility token, B3X, in order to innovate better, cheaper and faster products.
We were the first Spanish fintech with an Electronic Money Institution license and the most important one in Spain.
We present ourselves as the main alternative to Spanish banking: fast, independent, paperless and 100% technological.
In our platform, users will not just find a card account with no hidden commission.
Our main added value proposition, beyond the daily banking operations, is a Marketplace with a very varied offer, including mortgages, deposits, cryptocurrencies, currency exchange, insurance, etc., willing to bring added value to our customers, and leveraging on Blockchain to build more efficient products and services.
We also offer an incredible Loyalty Program, where users have access to cashbacks up to 10% in top brands just by paying with their Bnext card.
![](https://gimg2.gateimg.com/image/article/16754115273.png)
One of our main  achievements using blockchain technologies has been making international transfers & remittances immediate, cheap, secure and having the best UX, aiming to connect using this new technology to people all around the world.

### Q2: As a utility token, what does B3X offer to its holders?
**Guillermo**: We launched our IEO in March 2022 becoming the first and only financial platform to issue a token and the second largest in Spain (USD +11M).
Using B3X as the company’s growth driver, the utility token provides extraordinary benefits to token holders helping to increase buy-pressure.
We have faced B3X's TGE with an incredible amount of live utilities (+10), built over a non-speculative and levels based program.
I'll try to keep it short:
- Up to 2x cashbacks in our Loyalty Program and exclusive merchants and brands
- Reimbursement of crypto trading fees
- Reimbursement of International transfers fees 
- Marketplace products fees reimbursement
- Governance rights
- Priority access to new functionalities
- B3X Plus higher APY
- Purchase insurance
- B3X Rounding Up (Automatic save-up method)
- Referral program in B3X
- Fees discount if paid with B3X 
- Governance rights and Priority access to new functionalities

### Q3: How does your utility per level program work?
**Guillermo**: This was really difficult to define, as in many models you will find that either token price or token amount can generate a problem accessing the levels in time depending on the token’s price evolution. To solve this, we basically have defined a 3-level token holder program. Each one has access to different perks and utilities within the platform. To access a level, the user must maintain a certain balance of activity with the token, where purchases and deposits add up, and sales and withdrawals subtract. In this way, the user is not affected by the price of the token and its commitment to the project is rewarded, beyond the market momentum. To be Basic holder, it is required up from 50USD of activity with the B3X, for Advanced 150USD and for Premium 500USD or more.

### Q4: Where is the token listed?
![](https://gimg2.gateimg.com/image/article/16754116084.png)
**Guillermo**: The token, which has been developed on Algorand blockchain (ASA), can be purchased in Bnext (through our Crypto Wallet provided by our partner Onyze), in Bit2me.com (the biggest Spanish Exchange) and of course in Gate.io(one of the biggest and most trusted Exchanges worldwide)

### Q5: What are the next steps for Bnext?
**Guillermo**: We have the ambition to make financial services accessible to the Spanish-speaking world levering on blockchain, and plan to expand our operations to Latam, kickstarting by capturing market share of the remittances corridors between Spain and Latam ($18bn per year)
Through our crypto-remittances proprietary product, backed by Algorand protocol, we plan to disrupt this billion dollar market offering the cheapest (1.5% fee) and fastest (5 seconds) way to send money to LatAm, with top-notch UX.
Furthermore, we plan to keep on building new products, leveraged on Blockchain to make Finance more efficient.

<div class="blog-details-info">
<div>Author:** Rio Fu.**, Gate.io Community
<div class="info-tips">\*This article represents only the views of the researcher and does not constitute any investment suggestions.
<div>\*Gate.io reserves all rights to this article. Reposting of the article will be permitted provided Gate.io is referenced. In all cases, legal action will be taken due to copyright infringement.
</div>

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