You are claiming to be the first decentralized crypto bank while we all know that's not true, there are a few projects doing what you are doing well before you even think about your project. I wont believe it until I see your debit card in action, you say that you'll provide the opportunity for US and other countries to participate in your ICO like it's up to you, if you are really a partner with a bank then after US government finds out about this, they'll ban that bank from conducting business with the outside world, and all the cards issued by that bank will become useless for any body to spend because no merchant will accept them.
You have a signature of another bank claiming to be the first one lol. Either way, Change does in fact work with the Estonian E-residency and the Estonian government. The US government can't ban anything unless they plan on invading Estonia, and even so the debit cards are only a fragment of what change will bring to the table. Don't spread FUD, my friend, use arguments to get your point across.