[Legogris]

Bisq has that and has been around for years. Want a single, stable, smooth and fast fiat gateway with strong guarantees like you have on he realized exchanges? I think that's fundamentally incompatible with not having intermediaries. As others mentioned,calling IDEX decentralized is weasel-wording at best. It's a hybrid.

[kissickas]

Fair enough. As far as I know, it aims to be fully decentralized by everyone's definition eventually, apart from KYC which I accept as a necessity.

For my needs, the decentralization they currently offer is all I really care about (I am able to get my funds out at any time, and no one else is).

[Legogris]

I think "non-custodial" is the word you are looking for. Another example wold be LGO Markets.