Banking is so difficult to join or to build, whether it is a decentralized bank….
You need a very cautious planning and development. You need to clarify these questions before you can open up:
-   Reason/s why are you opening up a bank, centralized or decentralized.
-   You need to have employees and members, you cannot do it by yourself.
-   You need some capital (which is obvious that 382 BTC can now run).
-   Planning. You can’t run a business without planning.
A lot more to be consider in planning a bank, so have nice luck for your future.