Accumulating Tez by holding fiat is a great way to increase your holdings of Tez. One of the most popular ways to do this is by adding your fiat currency to a liquidity pool (LP) on a decentralized exchange. By adding your fiat currency to an LP, you will be rewarded with additional Tez for providing liquidity to the pool. This is a great way to increase your Tez holdings without having to buy it directly with fiat. Additionally, you can also earn additional Tez rewards from the decentralized exchange for providing liquidity to the pool. This is a great way to passively increase your Tez holdings without having to actively trade or invest in the market.