It depends on the payment option that I used to receive my revenue or payment that's going to determine if I'll pay higher or lower charges when converting the money to my base currency.
Take for instance, if I'm paid with cryptocurrency, I don't pay much charges because it's easy for me to use Peer to Peer and get the exact same value in my base currency.
After making use of peer-to-peer to transfer and sell your cryptocurrency, you will have the money deposited in your bank account. You can withdraw it at the nearest ATM machine that you can find.USD has great conversion options. I am still unsure about cryptocurrency. I agree that peer to peer transfer is easy. But what if you want to make it cash in hand?