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Agree, fiat gateways are important, otherwise the entire crypto would become like in game credits and lose any real life purchase power
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Decentralized exchanges are not enough !
I thought that it doesn't really matter if governments are after exchanges, because we will always have the decentralized exchanges ... then I realized that the decentralized ones can not do the crypto to fiat conversion ... so we are always stuck at the point we want to convert from crypto to fiat