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RE: How to buy/sell any crypto and fiat currency on a true Decentralized Exchange
There are many options for EUR including: SEPA, Zelle, Bank Transfer, Cash Deposit, etc...
As for credit card, I haven't looked into it but my guess is that it's not allowed since the credit card's owner can dispute and revert the payment thru his credit card company a few days later. This will leave the seller with no money and lost bitcoin.