Why fiat-to-crypto stuff is hard in the US, prioritized by difficulty 

1. Fraud
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2. Regulatory
3. Fiat Partnerships
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4. Sales
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5. Tech / UX / design

Cards have bad fraud properties. You enter your secret numbers into lots of websites, hand them to waiters. There are big spreadsheets of stolen card numbers available on the dark web.

App onramps from Paypal, Robinhood, .. & eventually bank apps should be lower fraud and therefore faster and cheaper

Daimo Pay. Build once, distribute everywhere

Right, the issue is fraud on the fiat side…after you sell someone a user controlled cryptocurrency :)

Payment fraud in crypto is a serious issue that affects the entire ecosystem. As a guardian of Web3 communities, it's crucial to understand these risks. The 50/50 split between stolen payment methods and friendly fraud at Coinbase shows why we need robust security measures in DeFi.

At Coinbase it was roughly 50/50 stolen payment method fraud and “friendly” fraud

ya for sure it's on the fiat side. do you think the problem is primarily
1. people buying crypto with other people's money (stolen card info, etc)
2. people buying crypto with their own money, then doing a fraudulent chargeback
or a secret third thing?

Is 3D secure not a thing in the US for online card payments?