Fedimint is lightning though. Getting from fiat to lightning is harrowing. For a relay to accept fiat, it would need a payment processor, which implies KYC and legal liability to censorship.

(#monero fixes all this, btw)

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Huh I don't mind, really. My identity is already well known, it will be silly to show up as SBW and hope there's any secrecy about who's behind it.