Yeah, I don't think its ever going to happen either! I have seen some so-called crypto banks get a license for something in the UK but these are basically financial institution licenses and on different levels, so these are like crypto neo banks, getting license to do certain things like money transfers. But like you said a full banking license whereby they can take deposits, issue interest plus do loans? I don't think any crypto bank will ever get this, no matter how hard they tried.