You all sort of missed the point - the reason we named our service Bank is mainly for marketing reasons - we want our service easy to understand, easy to remember, to achieve that purpose, there are few better ways than borrowing a name of daily use item.
Apple (the tech company ) is a good example in this regard: Launchpad, Keychain, and Sticker, etc.
We never intended to imitate a traditional bank, not in terms of interest rate at least.
And I haven't been using one for investment for years.
Aside from HaoBTC, I have been using P2P lending services as my fiat saving accounts for three years now. The return rate has been consistently above 13%.
Good lucky investing!
Thank's for confirmation
some people above confused about your interest bank system
sorry im not use your service, i am comfortable use blockchain because long time i use it