Banking is a pretty tough nut to crack.  To become the equivalent of a bank in that you're storing value you'd need to make sure the code is secure which is already being worked on but you'd also have to work to secure private keys against theft and loss.  You'd need to be insured and be a compliant money transmitter and possibly more at least in the US.  It's an interesting concept though it's probably better as an add-on to the system rather than having the core team focus on that part since it has significant hurdles.

Thanks for taking a look guys.  Even though our development is open source we've kept low-key about our progress.  We wanted to present people with a working prototype rather than just ideas on paper.  We feel now is the time to get rigorous peer review.

I noticed people had questions about how the structure worked so I created some animations on the wiki pages that demonstrate how transactions occur and forks are resolved.

https://github.com/clemahieu/raiblocks/wiki/Block-lattice
https://github.com/clemahieu/raiblocks/wiki/Double-spending-and-confirmation

If your community has any other questions I'd be happy to answer a list of them.