You keep mentioning localized EU/UK bank transfer fees when my original post that triggered this discussion is referring to international payment processor APIs (Stripe, PayPal) and the web that builds on top of them (Ko-Fi, Etsy, Bandcamp, Kickstarter, Patreon, Shopify).
Cool. So the same as a debit card payment in Europe, which is capped at 0.2%. It's also way more expensive than a Faster Payments UK transaction. In exchange you take on huge counter-party risk, and massive forex risk. This doesn't sound better, in fact, it sounds a lot worse.
> fwiw, if more merchants did accept crypto and taxes were payable in crypto (as it is becoming the case in some very specific jurisdictions around the world), there would be less need to exchange to fiat via a CEX.
Taxes are only 'payable' everywhere on earth for crypto in the sense that some governments offer a gateways that exchange it to fiat. Like Pay1040 does for credit card tax payments in the US. That doesn't make 'taxes payable in credit card.' The issue isn't payable it's denominated in.