Is Stellar a good network to launch a banking/financial service ?

[Claus]

Hello,

I've been following bitcoin and altcoins for a bit now but was off since last year for a personal reason.

Now, I would like to launch a "miniBank" business and I was wondering if ICO is the right tool for that. The idea is to run a mobile banking service (which are popular in emerging markets) through blockchain features. The initial phase will require around 500 000 USD.

Here is a list of services that will be provided by the miniBank :
- multi crypto-currency account pegged to EUR or USD
- VISA/MASTERCARD debit card linked to EUR or USD balance
- Mobile payment in several Emerging Market Countries
- Automated loans
- Transfer/Remittance from Europe to Emerging Market Countries

The presale and after the ICO will grant initial investor with token that will allow them to have :
- a perpetual fixed income on the miniBank (interest rate tbd).   
- a share of the miniBank or the cryptocurrency that will be used for mobile payment, loans...

Do you think that pre sale can be use to fund part of the initial phase ? And what are the steps that I should follow to have a successful pre-sale ?

PS: I worked in Investment Banking and I'm quite knowledgeable in term of coding and system architecture so I have a proper understanding of both.