good news that it's already available: https://haveno-reto Decentralised Exchange P2P fiat to monero directly. I wrote some tutorials on how to use it, if you need help on that
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Monero @monero.town Datura Network - Public Monero Nodes List
Monero @monero.town Haveno DEX - Cash by Mail -> XMR transactions
Haveno @monero.town Haveno DEX - Cash by Mail -> XMR transactions
Monero @monero.town Tutorial: Haveno DEX Bank Transfer (ex: SEPA) -> XMR transaction
Haveno @monero.town Tutorial: Haveno DEX Bank Transfer (ex: SEPA) -> XMR transaction
Monero @monero.town Haveno Decentralised Exchange Dispute resolution (Fiat -> XMR)
Monero @monero.town Tutorial: Haveno DEX Face-to-Face Fiat to Monero transactions

if the exchange can be submitted to comply to any regulation, it means that it is a centralised exchange, not a decentralised one.