no

The rate is just too unrealistic.. The profit of the bank has to come from somewhere to pay your interest rates. They will most likely be doing some extremely risky investments to pay you then.

That's why the answer is no.

No

the difference is that real banks are insured against loss

Based on the information you provide the answer is - no!
Will you put your money to bank which will just post such question?

assume we live in 2020, BTC is a stable and trustable currency and the BTC bank is insured for losses. Would you trust your BTC to a bank with an annual 10%?

The issue is not the interest rate, it is the level of trust that the company has.  If a "bitcoin bank" offered a high interest rate, but showed very clearly how they used their deposited funds and how they were able to pay such a rate, then there is a real possibility that this would work.  10% interest rate is not incredibly high in the bitcoin world anyway.

maybe; that depends who insured it against what kind of losses

Ofcourse there is.. Real banks offer interest rates under 1% at the moment.

Having a bitcoin bank offer 10x more is just screaming insane risks, there is not any option at the moment where they can make such an amount realistically.

Yes, I'd like to get on my BTC, but I wouldn't trust a sh*tty start-up though. I would only do it if HSBC, Credit Suisse, or a really old and respected large bank offers this kind of service. Hey, I believe in the blockchain, but I certainly don't believe all BTC entrepreneurs.