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> If you pay in crypto, you have to report every conversion from fiat to monero

That's not what your link says, and as far as I'm aware it's not true. Buying crypto and then using some of it to buy goods and services has no tax reporting requirement, those only start when you're either selling crypto or receiving it as payment. Which is the same situation as the tax reporting for any other currency or valuable item you could deal in.



> Disposed of digital assets in exchange for property or services

Reads pretty explicit to me. You have to report every event.




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