In our country you can use cryptocurrency to buy game credits, pay utlity and bills, shop online, mobile loads, and etc since the local wallet that we have is contracted with a lot of merchants. I think this is way convenient, as time goes by crypto will be accepted by most merchants.
Is that coins.ph? Because all the detials you mentioned coins.ph have that too. In my country we will use bitcoin for different things. But my favorite Is I can pay my bills using bitcoin and the good that is they have bonus when you pay your bills using coins.ph so that is nice. We can use bitcoin also like buying voucher to coins.ph and spend to the restaurant you choose where do you spend it and different store too.