here in the Philippines, we have a mobile app and website called coins.ph where users can store bitcoin and Ethereum into their personal wallet.  aside from crypto, the wallet also have peso wallet.  users can easily convert crypto to fiat and vice versa, then use peso to pay for utility bills like electricity, phone and water.  the app have built in payment gateway so everything can be done inside the app.  very cool!  whats more - the company offers bonus for members who can do referrals, and also to those who pay their bills thru their website/mobileapp.