Quote from: Ucy on November 11, 2020, 10:22:25 AM

Quote from: VictorProsh on July 25, 2020, 02:24:39 AM

This is Satoshi Nakamoto's dream. He wanted to give each person their own bank in hand.
He wanted to save people from the problems of trusting ...

Imagine a Bank that has no management and administration. All these functions are performed by the smart contract program. Anyone who wants to connect to the bank becomes its co-owner. You can place your financial assets as authorized capital in the form of a deposit on your bank account. The bank guarantees the preservation of financial assets by issuing you an equivalent value (smart contract tokens). The bank accumulates financial assets of all co-owners and accrues income for the placement of funds. You can earn by helping others to become co-owners of this bank by providing an opportunity to connect to the bank. You can always get your asset back at any time by returning its guarantees (smart contract tokens) to the bank.
The peculiarity of bank guarantees is that they cannot be depreciated under any circumstances. The smart contract program provides for an increase in the value of tokens depending on the amount (authorized capital) of the bank's deposit. The higher the deposit, the higher the cost of the token.
http://prosh.ru/smartcontract.html

Such bank will have to compatible with crypto ideals like decentralization and self custody. It should work more like Uniswap (and better) so we don't hand them too much of our money/power/control which can affect a well decentralized network if you don't regulate the bank properly with the decentralized network rules. Besides, you have to make sure that the decentralized bank you put your money in don't use PoS or other Consensus mechanism to make it hard for you to participate in full consensus/governance... by making people with large amount of stake or miners to determine the consensus or future direction of the bank

You have definitely determined what you think a decentralized bank should correspond to. The consensus of this bank is based on the joint benefit of all deposit holders, and the profitability of each depends on his personal investments and at the same time on increasing the total capitalization and attracting other market participants