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RE: Coinbase is literally printing money!
I did not like Gemini due to the fact they asked for an ID, Coinbase was just some info about my bank account, I did not feel comfortable uploading my ID to Gemini, so yeah, coinbase was my only choice.
Unless things changed, that is what I remember about not choosing Gemini
When to comes to depositing fiat I think that is the way it is going to go. Decentralized exchanges are great, but it won't surprise me if the banks and payment processors refuse to support them.