I like the idea of a bank dealing in the "value" that the depositor assigns to things, although it does strongly remind me of a relatively recent Dr. Who episode.
I downvoted because I can't get the fridge-logic to click in my head. Take deposits for example; in a regular bank I deposit my paycheck and get an equivalent value credited to my account. If instead the teller handed me an equivalent value of semi-precious gems or a pinch of gold dust, that would make no sense. Similarly, it makes no sense for 375 customers to randomly get something of equivalent value to them when making a deposit. On a withdraw, maybe. But not on deposit. A couple other things like that, the mechanics just don't feel right to me.
I also would have liked to see more done with interest/fees applied to deposits. Early withdraw penalties can cost you (or your loved one) an arm and a leg.