Also there is an automated way of doing the P2P fiat transaction, at lower but still significant markup: the Bisq DAO as a starting point, which is able to assure crypto buying with fiat based on an amount of Bitcoin kept in your account as collateral for all further transactions. Not much liquidity there (leading to a wide “spread” & further markup), mainly in Bitcoin with a bit of Monero, but then you can swap for ADA with a not-too-centralised & no-KYC service like Changelly (basic, not Pro):
1 Like