assuming Fidor (or some other) bank serves as USD gateway in Ripple, it could also serve as bitUSD gateway in Ripple... so one would just need to open USD and bitUSD accounts with one bank, which would do the conversion at prevailing Fidor-bitUSD/Fidor-USD exchange rate within Ripple... would this make sense? Without ripple, I guess you would need a bank which deals in both bitUSD and USD, while using some centralised exchange to do the conversion. For now, is hard for me to understand, how one could move bitUSD into bank's USD, if the bank doesn't have bitUSD capacity. It has to be able to legally accept bitUSD. Until that becomes possible, its upto customer to arrange for the conversion, which is for now via centralised exchange...