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The exchange charge me 10% and I was fine with it, locally ppl charge from 5% to 10% so I said well its more convenient than having to deal with ppl shenanigans but then 4 days latter local bank hits me with their own 10% charge 😓

Aren't you from Panama? I'd say that's just the place to trade crypto P2P ;)

yes but then you depend on ppl answering whattsapp or their phone when you need them too or their bank holds the deposit, or they dont take cash, or they just take transfers to certain apps, or what ever might be the inconvenient that I try to avoid, I have two friends with lots of $$ who usually sells me USDT at 3% I just need to wait for them to be available, wanted to skip all this, you live you learn

Well, it's mainly your fellow-countrymen at the end of the day ;)