So basically what you call a bank is an issuer of tokens that are equivalent in value to the assets you put into it. I do not clearly see how that makes you a co-owner of that bank. Also, I do not understand how are the economic assets going to be assessed for value against that of the existing tokens. I also do not get clearly if you are pretending to have a stable coin and how those tokens will always preserve their value when the underling assets will change relative to each other and relative to others in the market.
Too much unclear stuff here.
Very good questions in fact.
Let's figure out what a crypto bank and a stablecoin are.
In my project, a depository bank is a smart contract for accumulating financial assets in cryptocurrency that you invest in it, thereby increasing its total capitalization and receiving issued stablecoins in exchange, in addition, you get the opportunity to connect others to the bank and receive additional income for this. The newly connected ones, also investing their assets, increase the capitalization and the cost of stable coins, which is beneficial to all co-owners of the crypto bank
38. Replacing the turnover of ETH in the blockchain network, its financial equivalent Stablecoins becomes a reliable settlement coin between counterparties, since its value cannot be devalued, but can only increase. This is really Stablecoins produced by a real financial asset placed in Ethereum.
39. Stablecoins replacing ETH is guaranteed to carry its quantitative content and participates in the turnover of calculations in its place. Stablecoins unencumbered by an ETH deposit, non-combustible Stablecoins coins are formed by the total capitalization of the entire deposit, the value of which can only be increased by the quantitative content of the ETH deposit, the number of non-combustible Stablecoins cannot exceed 10% of the maximum value of the Stablecoins issue.
40. Stablecoins, not related to the deposit, is the total income paid in the form of remuneration for the storage of all funds invested in the ETH deposit to all deposit holders in equal shares "in the form of a return of part of the authorized capital", the cost of which depends on the amount and time of storage. They are formed due to the difference in the entry price to the smart contract between the co-owners of the crypto bank, the owners of the deposit.
http://prosh.info/smart_eng.html