In our country we have our local wallet where users can directly trade fiat-bitcoin/eth/xrp/bch or vice versa. We can use it to pay bills, services, purchase goods since other merchants accept online payment, and it even use it to directly make a deposit to a bank.
I hope as time goes by, the usage of crypto will not be limited as in we can use it to buy anything.
that service is good, they must imitate because many member will be made easy by that service. bank must make teamwork with some exchanger, so they can pay something (because we pay, almost all arrears through the bank). people dont need to queued up and wasting time.