trouble is mate that no big company is going to play on the "u" thing because youtube have it mostly and even though wouldn't be a problem tm wise, most companies wouldn't want the companies to relate it to them or think that they were borrowing their name.
Small companies will never be able to set up a bank because of all the regulations, so on that score you are a bit screwed.
My bet would be best used for people to deposit files or upload things for storage, but that would need development.
As a value I think it's pretty low unfortunately.