'You' being a trustworthy entity with equity on the order of € 10 million.

As askod notes, several supermarket chains already do that (though I believe that this is mostly about funding their inventory at the policy rate rather than the retail rate, and not so much about handling deposits).

I would think that cell phone operators would be both too small and too unstable to be plausible depository institutions. I would go with supermarkets if I were to push something like that.

- Jake

Friends come and go. Enemies accumulate.