I don't think it's good enough for the equity to be pledged to assist the network. If we wanted to do that then we might as well just give the Dash foundation an open ended million dollars to do whatever they want with. When the dash network pays out from the budget, any control over those funds is ultimately ceded from the masternode owners to the bank equity owners, who are not obligated to do what the Masternodes want. I have no interest in becoming a shareholder or using budget funds to make the dash foundation or any other entity a shareholder in this startup. If the value here is to provide a service where businesses using dash can have easier access to the Fiat market, that is completely different to me than providing equity for loans which anybody can get from any bank.
I have an open mind of course, am willing to continue to listen to your proposal and what the other MNOs have to say.
The MNOs would remain the owners of their portions, the Foundation would own the stock from from the $50-70,000 setup expenses which come from the treasury. Part of the idea of the use of the MNs portion would be to create liquidity for Dash / fiat conversion for business owners that need to continue to use fiat for their supply purchases which still need to be done in fiat. Thus businesses will not need to worry about accepting and holding Dash in quantity. It is an extension of the MN responsibility, however easy fungibility (seamless) of Dash with fiat IMO will be essential for broad acceptance in the market place.
The agreement of only a few of the MNs, for example 22 putting 1/2 of their current value will be enough to capitalize the bank, or 44 putting 1/4, can make the project happen. How the funds would be applied or used within the banks activities can be made subject to the MNs agreement or voting so that control over their funds would be maintained. As an example if it is decided to set up a debit card payment system those MNs that think that is important could vote to do that. An advantage is that the holdings of the MNs can be leveraged to do those projects as well, as long as the profit from the projects will pay for the extra credit granted. The basic idea is to integrate decentralized digital cash into the current fiat system to create complete ease of use. A bank has a very big advantage to accomplish that. Perhaps it will be very helpful for the Evolution project; it is very much in line with the objective of Evolution..