I absolutely agree 🤝

In any case, as of now, fiat can't get kicked out of the picture. It is very very hard to live on a BTC standard, I'm not sure if it's even possible.

Such a decentralized exchange would be great but I'm not sure how exactly it would be feasible to have an on ramp fiat thing... 🤷

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I think something like vexl is the best attempt so far at p2p exchange. I wish it worked in the USA.