How is your cryptobank different from crypterium or any other cryptobank? Could you explain why it has potential?
If I understand it right, user will be able to chose conditions for some third party service that he wants to use. For example in normal bank you can take your insurance but only decision that you could make is will you accept or refuse, with datarius you will have more options like take insurance from company A, B, C, D etc and every of them will have different conditions...