Sounds exactly like the questions Coinbase asks you. Must be some international standard at work here. I can't wait until distributed autonomous exchanges are ubiquitous and we can dispense with all this. Yes they could still get you if you cash out to fiat but who is going to do that with BTC headed for $1M in the next ten years
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I always like to hedge a little no matter how bullish I feel about crypto. And holding too much fiat on an exchange feels too risky. I may just to stick to hedging in SBD in the future. Although at the moment, I have more confidence in the Euro than USD when it come to fiat.