In fact off-ramp isn’t necessarily bank-related. With CivKit and Nostr we could build peer to peer exchanges. I would prefer to buy bitcoins from emu peers, and local peers with whom one can exchange fiat<=>btc…
Dreams apart I think they are both part of the equation, mostly at the beginning, probably as adoption grows and shops accept btc, off-ramp would lose relevance
This is a good reminder that other means are possible. Have you seen any recent progress with CivKit?
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I saw they released a “beta” or something, which at the moment is a wrapper over a stirfry instance.