Dharma is a cryptobank, we do all the important stuff your bank does, but we’re not a bank. We don’t even take possession of your money!  Instead, we harness the power of blockchain technology to deliver a superior money management experience. Deposit to Dharma directly from your debit card*, and you’ll start earning a super high interest rate instantly! Aside from the two-week hold on debit card deposits, there are no lockups on Dharma funds — and even with debit card deposits you earn interest from the second your money hits your account until the second you decide to withdraw.

https://blog.dharma.io/p2p-payments-are-live-on-dharma/