My opinion is that you don't need a mobile application. 1 BCR is $1.5k and I doubt that you need to carry such sum in your pocket. Keep it safe, on your PC at home.
I believe otherwise. There are still people who are always on the go, hence, they still need to develop their corresponding mobile app. Yes, it is expensive but it is the owner's prerogative to take such risk. They know possible consequences in case something goes wrong with their phone. However, there should be some specific security features when they prefer to have it on their phone.
Phone can get stolen or broken. Moreover, public Wi-Fi is not safe in 97% of the cases. Do you want to increase your risk on a maximum? Well, people always do some dumb sh#t, who am I to convince you.
