Well, I don't have any serious issue against the having of cryto bank, just some fundamentals that would ensure that it runs properly as a bank when those are settled,then its all good to have a crypto bank among such are

1. What will be the initial deposit that they will have to have before operating a bank, who will collect it? Who will issue the license to operate as such.

2. Who will guarantee funds, how would they pay interest on deposit because a conventional bank do that to customers deposit.

3. Who will be held responsible in case hackers get hold of funds and the fund is stolen? If all these can be answered an verified , we can have such.