On the banking thing. In NL we have Bunq which is a virtual bank with banking license. It combines social with banking. The idea is nice but I&#x27;m not sure if the world is ready yet.  <a href="https:&#x2F;&#x2F;www.bunq.com&#x2F;en&#x2F;" rel="nofollow">https:&#x2F;&#x2F;www.bunq.com&#x2F;en&#x2F;</a>