I had this ideea before . they have to make something like this . it will be huge . imagine they will have a "valut yearly" where u deposit how much u want but u can cash it out only after 1 year and u have to confirm this ! lets say u are up in balance and stuff and u wanna put 20$ in ur "yearly valut " and u can cash it out only in the 1st January " , that will be amazing