Blockchain based banking UPSCALE Coin

Blockchain has for sure revolutionised the way we see and operate finance, I am coming from a world where I dont see any real use case of blockchain due to following reason.

1. Everything is code (Indians have hard time gaining trust on code)
2. Too technical (Blockchain aka bitcoin, people think it is a Ponzi scheme because it take money and rewards money and thanks to its complicated nature)
3. Banking in Indian mindset requires people to go to bank deposit money to someone know as cashier / teller who he/she deposits money reflects in your bank account. They invest your money in other businesses.
4. According to Aristotle bitcoin fits well in his definition of money.(Can we really spend it?)

I am interested in acquiring a bank license and start a currency which is going to be rule based (Features like qe)

Deposits where one can lock coins
Lending where one can lend coins
Exchange to other currency
Decentralised exchange
Asset linking to remove issues related liquidity.

let me know who share the same voice.

I am writing a paper on it.

github.com/maektwain