We can work together because we have the same idea, how about to tell us where you going to incorporate? also this idea decentralized bank is not possible in country like usa .
For banking, not sure how your country regulations are but may be you might require to have license or some regulations in place and need to clear this from your government. If their is no regulation require it is fine else you can start a lending business as you have 382 btc you can lend to people who require on this forum.