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You can use SEPA, OKpay, etc. The exchange is just starting, but it has lots of potential. At least, it is impossible to take down.
ELI5 who I wire actual irl money to, and why it won't get stolen immediately.
1) The bitcoins are programmed to be released only when two of three people agree that the money has been received.
2) When the money gets to your bank account you and the buyer release your coins.
3) If you lie about it, the buyer and a random aribitrator release your coins.
Not sure that I would trust it... but seems legit.
Yep. I have downloaded it but not used yet. There's still something like 0.5 BTC limit/transaction in the beta version. I think decentralized exchanges are very important because they kind of make bitcoin(crypto) impossible to ban.