Hi, there are 2 important questions in what region are going to have a 'bank' and what type of services you would like to offer?
For example, to manage consumer funds you must have a license, in UK this type of license is PI, if your turnover is less them 3,000,000 GBP, you may apply for authorized PI.

Its "neobank" license, you can do a lot but not LENDNING or BROKERAGE, its good for fintech startups.

The second part - working with crypto you must have valid partner to arrange exchange issues and KYC, if not going to handle exchange part internally.

Then you must have a VISA or Mastercard membership to be able to issue cards by your own  ±200-400k.

To get correspondent account in USD is quite harder, mind that.

Dont forget about back office and marketing expenses, risks, taxes.

It should be legal business only.


Take care.