The problem with 2) is that the USD transactions would be too hard to do with the current banking system. While in many cases you can already do instant and fre

The problem with 2) is that the USD transactions would be too hard to do with the current banking system. While in many cases you can already do instant and free wire transfers, virtually no banks offer APIs good enough to program such scenario. Also, I'd be afraid of triggering some kind of banking system warnings if I sent a hundred transactions within one day. With crypto to crypto exchanges a better solution would be to do it as a DAO/smart contract.