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I don't know why this isn't inverted.
People selling Bitcoin for fiat should be paying a premium to keep their gains "off the books" and avoid capital gains tax. Non-KYC fiat is desirable too you know.
If both parties are benefiting (avoid CGT and non-KYC), then it should just be a wash and the price is regular market value.
Why is it that p2p services have much higher buy prices than spot generally though?
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