On-boarding users is not easy. This service would provide a easy way for EU citizen to send/receive € on/from Cardano
A bank account managed with weboob + tokens created/redeemed on the ledger.
This is the total amount allocated to SEPA to/from Cardano addresse.
The first stage of the development would be studying legals aspects.
5000Fullstack developer, I've already created this kind of service with Stellar for a non-profit organization. It was only for internal use.