I have seen more and more of these pop up I thought of this about a week ago I think it's a really good idea and there aren't really any up and running right now just getting worked on.

My ideal bank would give out loans...but how would the people give the money back...what if they don't??
Also the bank pays to hold your money (interest) but I don't mine but I think I could pay interest due to me making 20% off 36 referrals I have for freebitcoin.org and counting...

The main thing is I don't have any coding skills at all...but I have some great ideas...