A'ite, bear with me here, cause I'm struggling to follow your business plan. So no fractional reserve lending. Fair enough. Reading through you're other responses I've ascertained you (correct me if I am wrong) intend to pay interest by

• charging fees and returning a portion of that income as interest
• investing a portion of that income in real assets and commodities which you hope will appreciate in value and return some of the capital gains as interest

So to point one, the sum of all fees must exceed the sum of all interest, ergo your clients are net losers if we view point one in isolation. If we include point two, you are making the claim that real assets and commodities will gain value relative to bitcoin. That is another way of saying bitcoin will lose value relative to those assists/commodities.

The above being true, what your are counting on is (through your doing or the pressures of the market place) bitcoin will depreciate relative to goods and services. You will then arbitrage the difference and pay a proportion of that arbitrage to your clients. Meanwhile, your clients will have lost a (necessarily larger) portion in depreciated coin. So at best, you're cushioning the depreciation with interest. At worst, you've some scheme in mind to cause the depreciation. Either-way, it's not clear to me how your clients end up with more value over time, even if they end up with more coin.