What you´re describing isn´t a bank. It´s an international payment facilitator. There´s more competition in that space than you realise. If you want to be a ban

What you´re describing isn´t a bank. It´s an international payment facilitator. There´s more competition in that space than you realise. If you want to be a bank, you´ll need to solve lending, and you should also investigate nostro/vostro accounts.