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If you explain why it is necessary to centralize a decentralized bank, then I will try to answer. If you think that your anonymity is at risk in this bank, then it seems to me that everyone is responsible for the anonymity of their wallet address, there is no verification in this bank.
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I mean those who control a decentralized system should be anonymous, or their privacy should be well protected otherwise a bad actor who wants to centralize the system could easily hunt them down and get them to surrender control & do whatever he wants them to do. I developed a project that not only anonymize participants but regularly randomize them to make such takeover almost impossible, yet the participants can be punished when they try to hurt the system while being anonymous.
Anonymity needs to be guaranteed to participants to prevent a takeover and centralization a decentralized system.

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I don't understand you at all, can a system be decentralized if its control is carried out by anonymous people, who, according to you, are regularly randomized? In my opinion, this is pseudo decentralization.
The project completely lacks any regulator. The main advantage of the project is that the owners of ETH manage their financial assets without transferring them on their own to anything other than their addresses connected to the smart contract, or only for the necessary initial connection, and also if they only need bond tokens.

Placed ETH in the depository cannot be stolen from the addresses of the owners connected to the smart contract, as it is blocked, which provides additional insurance for invested funds.

A crypto bank is a network of individual smart contracts, united by a common control over the emission of bond tokens, managed jointly by all owners of the ETH deposit and by no one in particular. Anyone who has placed financial assets in a deposit at their address in a smart contract can become a co-owner of a crypto bank.