Depends what country you’re in. In the UK at least the rules and regs makes it very hard for you to steal customer funds. The money needs to be stored in a segr

Depends what country you’re in. In the UK at least the rules and regs makes it very hard for you to steal customer funds. The money needs to be stored in a segregated account held at a real bank, who is then responsible for making sure that account isn’t abused. And if you’re bank offering these types of accounts, then you’ll have the regulator watching your every move to make sure you’re not misbehaving.