This project seems really promising but i'm unease with the banking system on this platform would really be decentralized by all means! 
What is it that makes you uneasy about it?
That's an easy question, even I can answer that.
This should give everybody a little clue.
https://www.nytimes.com/2016/07/17/business/a-bank-too-big-to-jail.html
140 Years of Financial Crises:
http://www.jfki.fu-berlin.de/faculty/economics/team/Ehemalige_Mitarbeiter_innen/schularick/Old_Dog_New_Tricks_Schularick.pdf