I'm not sure you're even on this thread anymore, but I wanted to also suggest an alternative which is to charter a federal credit union.  The good thing about credit unions is that they're owned by members (every account holder).  By having accountholders as members, it opens some interesting possibilities with respect to business account holders that need services such as fiat/crypto conversion.  It's a project my organization is going to pursue, starting with conducting a survey across the crypto community to determine if there is sufficient interest in people/businesses using an FCU if it existed.  This is the first step that NCUA typically looks for in charter applications, a favorable survey of the prospective field of membership.

Best regards,
Ben