We still need the centralized exchanges as the fiat on and off ramps. If people can't withdraw their money, I can't say that crypto will do well or if people can make a living off of crypto. The EVMs and Defi are nice but it won't be worth much if people can't survive without withdrawing.
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This is a good point. There are a few providers of onramp and off ramp for fiat which exist on decentralized cryptowallets. Moonpay is one. Juno is another one. These provide onramps for fiat and off ramps for fiat.
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