Has there been any talks you've participated in about creating a fiat to coin/token gateway that bypasses normal exchanges? I know many prefer to avoid that (your exchange is a good example), but if an independent method of cashing in/out separate from exchanges were to be offered, it would be groundbreaking. I (and many others) distrust exchanges, and having to do multiple trades once one has KYC (for those of us whose governments view us a children needing permission slips and monitoring) has always been a deterrent to the masses Dan envisioned when he sculpted this chain.  

Will be curious to read of further developments, and thanks for any clarification you may give on my question.