This is a great initiative a very good project that is launch to empower lot of average users who can't have access to centralized banking system, hamaniq actually make it easy for users across underdeveloped countries to participate in easy banking system, with a very good service and unhackable security system with it integration with smart contract ethereum network the platform deem to be transparent and hack proof.
Video and voice biometric verification process are used to verify users to avoid multiple account opening.
Humaniq offer a very good financial road map user can make transaction for free and a sign up token is given for fully registered users.
It supported wallet which can be accessed only using mobile device.
In summary hamaniq is a good banking system with the aim of reaching more users who can't afford banking with restricted regional users it aim to connect the underdeveloped countries user with advance banking system.
Only problem is the humaniq platform haven't updated and news on their webpage for a long time now so certainly of the platform operating fully now are not known since nothing new seems to be updated on their platform.