SEC, See You
sec.cyou
sec.cyou
These look like technologies so it doesn't just have to be a donation, but we can trade, here and now, with reasonable guarantees that both of us can't run off with the other's asset. Of course, the assets in question are all crypto. UnstoppableSwap I'm familiar with, we could in theory trade bitcoin and monero, right here and now in this comment thread, and it'd be safe enough for us both. The process is still a bit warty.
See https://comit.network/blog/2020/10/06/monero-bitcoin/#long-s... for the protocol.
With the caveat that there is progress made towards bringing real world assets on-chain. Already, stable coins fall in this category – they're crypto assets which are backed 1:1 by real fiat currency. So you can trade them premissionlessly on-chain as with all crypto, but they can be redeemed by the issuer for real currency (like USD). One example of an issuer who is fully audited is Circle, they issue USDC across numerous blockchains.
It is also expected that other real world assets, such as government bonds (and their yield), will soon be brought on-chain. I believe the Maker protocol is spearheading the effort to bring US treasuries on-chain.
Your sentence sounds nice but makes no sense at all.
When you cash out at an ATM, the ATM company takes a fee
Zelle is "fee-less" but has pretty small transaction limits and you need to have lots of info about the person you're sending to
Fraud, for example, which is something one can do very easily on a non-regulated exchange.
A catalogue of DeFi platforms that facilitate permissionless trading
Permissionless: https://coinmarketcap.com/alexandria/glossary/permissionless
Your question is broad, so you may get a more helpful answer if you ask something more specific.