The peer-to-peer exchange is mainly used to buy KYC-less bitcoin, which doesn’t interest me, so I’ve never used it. All the bitcoin I buy is KYC. Honestly, I’m not afraid to declare my bitcoin, as it comes from my work. I don’t want to criticize peer-to-peer exchanges, and I believe privacy is very important, but since my choice to put my wealth into bitcoin is more political than economic, it’s not a priority for me.
I'm talking about using Bitcoin as cash.
Usually I go with Bitrefill, sometimes I use on chain transactions for some web shop, and very often on the web I use LN
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For me in the UK I with a bank call revolute and with them I can buy store and have a card that lets me spend my bitcoin so I put a little bit of my money into bitcoin as a kind of savings I don't worry about price either and then if I need fiat quickly and don't have enough and I can take bitcoin I can spend that immediately with the digital card that they give me
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