I went to a meetup once where Radoslav presented Bitbond. Referring to it as a bank is quite a stretch.
In addition, it’d be quite weird if a random startup can get a banking license just like this. Consider N26, the Berlin-based fintech “bank” and unicorn took years and just got theirs some months ago.
The Bitbond site says “See no bank. Hear no bank. Speak no bank.”