With it increasingly being difficult to retain a bank account in the West whilst residing in Thailand (or similar), an increasing amount of people hold their overseas savings/wealth in stablecoins or similar digital representation (non speculative).
Stablecoins being the equivalent (though riskier) than holding funds in a bank, but bearer based (like cash), one could/would argue, a $ based stablecoin or Euro, pound etc is no different to their overseas bank account which if they bring funds from, into Thailand would be tax free *its savings*.
Yet if you use an exchange theres fees, and possibly tax because of the way Thailand treats such.
Is there a form of a collective P2P network? - If so there should be.