What discourages me, however, are the rates. This may not be true to all crypto-to-fiat currency trade rates, but as far as my local fiat is concerned, the rates aren't that competitive.
That's always the case when using DEX or mostly non-KYC p2p platform. Idk why but most of the people in this space preferred those CEX, maybe because of UX, lower fees or non for p2p, higher rates, more coin options to trade, and more.