A "central bank" for decentralized crypocurrency? This makes the joke of the day.
In order for cryptocurrency to be fully utilized, there will have to be stable prices. With a bank model, you will be able to create accounts (masternodes) that will gain interest, so you're able to SPEND your money for goods and services that people will accept. Not just all based on speculation, but based on real value. XOV is seeking to centralize this volatile world in order for all of us to have a currency we can trust.
In my opinion, this project is worthy of support. Indeed, the crypto currency, which is based solely on the supply-demand relationship, leads to a dead end in its development. We see that bitcoin takes off in price and is simply inflated in its financial bubble due to speculative rush demand. This will ultimately lead to its drastic depreciation at a stage when it will be at a high price level. We need other options to address this issue. Perhaps the creation of such a bank can lead to the stabilization of the course of the crypto currency. The volatility of the crypto currency is the main reason why the crypto currency is not perceived by the states and causes distrust in them.