This is far from a new idea, it's coming from the banking sector, and I believe it should suit cryptos exchanges just fine. Because there are 2 kinds of exchange.
So O.P, how about I say your thread is not complete, because after mentioning that we have two kinds of exchanges, I expected you to give an example which you failed to provide not even one, because by providing that I think it would have help people to understand more what you actually meant, of which I don't mind giving some examples which I stand to be corrected if I'm wrong, as it goes as follows;
Commercial exchange (i.e they help people buy and sell coins)1. Finance
2. Coinbase
3. Kucoin
4. Remitano
5. Bitstamp
Investment exchange (i.e They help people invest in several coins)1. PancakeSwap
2. UniSwap
3. SushiSwap, e.t.c