If you had asset which tracked the dollar had as its underlying a share in a bank, then a borrower of this asset would get dividends from (collateral - feed_price * debt) units of the share and the smartcoin owner would get feed_price * number_owned units of the share.
One problem if you wanted to have bank deposits which pay interest would be to when you make the payments since if you make the payments every year, then the price of the smartcoin will rise closer to the dividend date, and drop instantly after the dividend is paid, which defeats the point of the smartcoin tracking the dollar.