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.
we have the same opinion on this matter. why need another platform to take care of your portfolio? this crypto banking is just another way of getting a stash from crypto users. if they will have lending feature, this platform will be the only one benefiting from this system. so nope, i'm not in favour with crypto banks at this moment. my view on this might change in the future if i see that it will really benefit me as a crypto user. one thing i'm worried about also, is the security. better store my coins in my wallet rather than a system that i don't know nothing about, which is prone to inside hacking job and other security issues.