in third world/developing countries they DO use windows phones.
also by having the whole payment/wallet/exchange to fiat under one roof is a service the third world developing countries need.
after all paying $2(40 hours min wage there) is impractical to use onchain tx's and having to then move funds around again to cash-in/out.
so there is actually a niche for this... (once you put first world mindset to the side)
but this niche is only created by them bs cartel removing fee controls onchain to make such side services like LN/coinbase/xapo preferable.
which is just re-inventing corporate bank control all over again requiring second party agreement/management
The total market shares is between 1%-2%.
bitpay is basically going to be the vodafone credit(mpesa) rival
It should have overthrown Mpesa since 2013 when it was launched and....2015 when it went bankrupt.
And just like you mentioned I don't like at all the approach.
So not only you're going to store your bitcoin with a 3rd party but... attached visa card?
What the hell happened to being your own banker?
being your own banker is being eroded away due to the devs who removed the fee controls of bitcoin and just shouted "just pay more" slowing causing the only utility of bitcoin to be done via 2nd /third party mechanisms