If you serve both legal entities and individuals, then banks will stay away
what difference does it make to banks who will invest money?
Usually, regulatory authorities pay more attention to the movement funds from legal entities, and banks have even higher control. Much depends on the country and its laws.
You see how the authorities are struggling with anonymous currencies. Especially in the US, authorities are trying to ban the trading of almost all anonymous cryptocurrencies. Most likely in the near future, anonymity will only be ghostly. There are pros and cons here.
The state is afraid of losing control and regulation over financial resources, it is also an intermediary in the payment system, and this is additional income
Sure. I believe that it is necessary to implement cryptocurrencies in commerce and business. Then cryptocurrencies will be used more widely and have more fans, and, accordingly, wide support. Any state will have to reckon with such a large movement. But this requires cryptocurrencies to be more stable than today. There is little trust in them.
In different States, the attitude to cryptocurrencies is very different from quite loyal to a complete ban. If we take as a basis a neutral attitude to cryptocurrencies, probably as it is in most countries, then commerce and business may well use cryptocurrencies despite their volatility.
Given the ability of cryptocurrencies to fall sharply like growth, they are not very suitable for cashless payments. The client does not have time to pay for dinner at a restaurant as his cryptocurrency falls. We need a consensus on the legal status of crypto. I am sure when this happens, the crisis will quickly pass.