There is instant SEPA in Europe. It’s one of the few real-time fiat options. PayPal, Revolut and stuff is all also full KYC, with the slight advantage that for the latter two only the state can get your identity, while SEPA (wire) everybody with a little skill can get your name, address and birthdate
Discussion
Good to know
In Canada we have Interac E-Trasfer through email.
perfect for small amounts, the only thing revealed to the receiver is the email address and full name to the seller through Bisq.
Half of them are Chinese and Finish names.
I'll take my chances on Bisq p2p with email money trasnfer and then mix and match and ride the lightning right after my boating accident.
Good luck finding my UTXOs