Hey T85083598!
It means that BABY won't a centralized Bank.
You could have your bank account without intermediates.
On the BABB platform, everyone is a bank. Once you open a BABB account, you have all the same powers that banks have. You have ownership of, and control over, your money. Through the BABB app, you can connect instantly with all other account holders and participate in peer-to-peer financial services. Lend to and borrow from one another; exchange currencies; and deposit and withdraw cash, all via self-executing smart contracts.