I think you’d need a money transmitter license for each jurisdiction you’ve got users in order to do that. And a way to get the fiat out of the app and back in to people’s bank accounts.

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Yea I assume it would introduce a load of complexity. It would need to work with existing payment processors. The best option I’ve come up with and have seen others suggest would be with Strike or a similar service that already bridges between bitcoin and fiat. But then you have to onboard users to their service.