I see so the idea is cashapp lets you get out of btc faster than kraken because the transfers are faster. By using cashapp to kraken to a wallet you could be in your wallet faster than straight through kraken to a wallet?

And is the idea this is better than usd to non-kyc directly because xmr/btc on a non-kyc exchange is tighter spread? So you pick up kyc on a few entities as a trade for tighter spread and better pricing?

Otherwise I don’t see why add the extra steps.