Makes sense - to take crypto to greater adoption there needs to be easier ways of buying/spending crypto. USD$ must be spent for the vast majority of crypto holders/users.

Also I have massive profits in crypto but don't want to pay taxes on it - so you can borrow against it to pay for items without incurring a taxable event. I see the need for a sophisticated new generation bank.

Thanks to smart contracts - I can be on the opposite end and accumulate interest or if they default, acquire the crypto put up as collateral.

I get it 'bank' is a dirty word in crypto, but everything has its place. If they offer a beneficial service, love to utilize it.