There are a few fiat to cryptocoin exchanges coming.
FairX looks interesting.
From what people are saying, you pay your fiat, choose your AltCoin and FairX converts it to Stellar Lumens (XLM) and then automatically to that ERC-20 AltCoin of your choice.
All in just 2-5 seconds.
Oh and the cost will be pennies, so long as FairX don't add on a huge fee or have a wildly different rate on a coin.
I think a lot of these types of exchanges will be popping up now, as it's the natural evolution of the crypto exchanges.
Not sure when FairX will launch (but I guesstimate early summer).
It's a shame it's not here now with this dip being an excellent buying opportunity.
Hopefully other similar exchanges are being developed and could come to market sooner.
I'm sure Binance et al will follow suit, otherwise they'll remain exchange 1.0 and stop growing so much.
Check reddit for more info and other opinions.