I was thinking about it for a while. I am a developer, I understand the concept of bitcoin, blockchain and decentralization. There are cryptocurrency buying services, there are wallet creation services. People who want to have cryptocurrency already have and know what they need to use from the service.
But even though blockchain and crypto are designed to be decentralized, in a way I believe that the bank will then slowly switch to crypto and offer you a service, so your bank will make you an account, keep the currency there, you will use the payment card... basically manage everything as they do now. As it is now with fiat. Since a large part of the market people is crypto-uneducated this will be a good opportunity for banks to gain market share.
What interests me is that it makes sense to start a “bank” that will take care of customers like traditional banks do. Opening an account, buying a crypt, maintaining a computer, etc.?
I think that this type of service / product will appear on the market sooner or later. However, I don't think it will be what you think. I think it is simply the bank that will create the electronic form of fiat money. In fact, there is already a lot of talk about it and I think that this type of money will come into use within a few years. Of course, someone new to the market will have a big problem to compete with existing banks, because I am convinced that they are already preparing for it and already have a customer base and operate in accordance with all regulations. Someone new without a lot of capital simply will not survive.