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Homie, you want to get fiat, you have to play by fiat rules. There's no getting around it and I guarantee someone doing $25-200/per transaction ain't gonna have the pull to demand anything.
Good luck building your own payment processor, you'll quickly learn you'll be bound by the same laws and regulations that you demand others to not deal with to support you, or you lose out on 99% of the way your buyers will pay...
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