Works fine for me without holding. The price doesn't change much in the 30 minutes it takes to exchange. The swings of EUR/USD are larger in the days it takes t

Works fine for me without holding. The price doesn't change much in the 30 minutes it takes to exchange. The swings of EUR/USD are larger in the days it takes to make a traditional transaction. Converting to currency is instant here and so are intranational bank transactions. It's also possible to pay utilities with BTC. Cheaper and faster is enough to win me over regardless of historical price development.