The bank opens the minute $FOLDBANK is live. Nine rungs, one deposit per wallet, 0.001 ETH or more. The first deposit takes rung one; the second starts a 15-minute timer. At zero the smallest deposit folds and its ETH splits evenly to every deposit left. The last deposit in takes the bank.
Nine in, the smallest 0.004 ETH. Round 1: it folds, 0.004 / 8 = 0.0005 to each of eight. Round 2: the next smallest, 0.006, folds, 0.006 / 7 = 0.000857 to each of seven. Eight rounds in, one deposit is left and takes the bank.
Anyone can call the fold once the timer is at zero; the contract picks the smallest deposit, never a person. Credits are pulled with the pull button. A deposit alone in a bank before anything folds can walk with its ETH.