Cryptocurrency firms exist in a quantum superposition of bank and not-a-bank until you interact with them, at which point they collapse into whichever state costs them less money.

Well, right now they’re applying for a charter which suggests they don’t think they’re a bank, but I can think of some other reasons, too.

I mean this isn't the criteria you're looking for but I can trade assets within coinbase's website. It looks like a stock trading platform. I don't for the record.

I don't think commodity, forex or stock trading is built into any bank interface but I don't have enough money to know for sure.

So it's different in that way I guess.

lol they even do fractional reserve things like banks, except they're more shady and don't acknowledge it, now I'm either connecting dots that shouldn't be connected or some withdrawal locks that happened through some big arbitrage opportunities were very suspicious.