A nostr-based peer to peer exchange is entirely possible. Might even be able to sort of get a hacky version of that out of my forthcoming project - Patron: "I want to buy sats for fiat, I have a credit card" - Arbiter/Escrow: "okay, I have a credit card processing app, I'll take your dollars and hold them" (maybe the Arbiter runs some ecash mints that make these kinds of swaps trivial) - Free Agent: "I'll sell some sats for that much fiat" (zaps this amount to Arbiter) - Arbiter checks everything, zaps the Patron, coordinates payment with the Free Agent, takes his small fee Of course this may be highly risky / illegal in a bunch of ways, and there are good reasons systems like RoboSats exist... But the basic, dangerous-mode mechanism could be easily supported by Nostr, and almost is already