> If I have someobe holding my crypto currency, that is as close to a crypto bank as it gets. You don't get to define what is a bank, and "anyone holding my mo

> If I have someobe holding my crypto currency, that is as close to a crypto bank as it gets. You don't get to define what is a bank, and "anyone holding my money" is definitely far from the definition of a bank. USDC is _not_ USD. When you deposit 100 USDC to Binance and ask to withdraw USD, you are effectively making an FX swap between two currencies, even if these currencies are 1:1 pegged. Again, there is simply no broker on the planet that will do that instantaneously. USD is 1 day settlement, you just won't get any better than that, unless the broker accepts to take the counterparty risk of paying you upfront. No existing broker will do that for any substantial amount.