I know that a lot of people think "I can save my crypto's on my own with a ledger", but is that really the way we have to go? The idea behind Crypto Banks is to have a decentralized platform that can carry out all of the same functions that a traditional bank can without the need for a mediator.
If you are okay with it or not but crypto was designed in such a way by keeping it ourselves and transaction on own own so there is no need for an idea like crypto banking.This is just a shit of making centralized payment system via decentralized currency.