Question: I am looking for a Non-KYC onramp to BTC. I can do cash to an ATM (less than a mile away), but the 13% really bugs me. What are some other options?

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Have you explored Robo Sats. It's pretty simple to get going

Our Secretary recommended Robosats as well today but i haven't tried it

In Europe, you can use peach bitcoin:

https://peachbitcoin.com/