Interesting idea. And it is interesting to see it has been out there for two years.... Ultimately, you are asking a whale to become a bank. There is a long history of banks springing up in every small town and issuing their own currency. Ultimately, they standardized the bills to look alike a are issue them out of one -washington dc- or several centralized banks. Old time banks could be owned and or controlled by one rich individual. In currencies and exchange ultimately anything can work.