Though, it would seem to me that Freebitcoin was never supposed to be wallet, in the first place. Sure, they offered some tools and instrument for people to win passive income through deposits of Bitcoin and also in their token, but to me it was an over kill from them.
They were already profitable and a casino, why would they even bother to turn into a neobanl as well?
As far as I remember, because I haven't visited the site in a long time and I'm not going to, they supposedly used the deposited bitcoin to finance their mining operations, and with what they got from bitcoin mining they could pay that interest and still have a net profit for themselves. There was a message saying so on the page. But who knows. What happened to this site is so mysterious that we can only speculate.