Is ATOM a proper bank?

Excuse me, I've been hearing a lot about ATOM lately, and I'm wondering if it's considered a proper bank. I'm not very familiar with cryptocurrencies and the blockchain technology behind them, so I'm a bit skeptical. Could you please elaborate on whether ATOM functions like a traditional bank, offering services like deposits, withdrawals, and loans? Also, is it safe and reliable to store my money in ATOM? I'd appreciate any insights you could provide on this matter.