Who is your target client list? Banks are heavily regulated throughout the world and the dream for cryptocurrencies is to be able to operate without banks. So what would be the point of creating yet another bank? I know that traditional banks are not friendly towards those that deal with cryptocurrencies and that might be the impetus that spurred you to ask this. I also know that there is a company out there that is trying to create a "bank" that is friendly towards cryptocurrencies and still be able to comply with regulations. Either way, still too much governmental red tape for me.