Personally, I can't understand the one thing: There is BitPay and there is BTCPay with zero fees. Why would someone use BitPay over BTCPay? I think BitPay also knows that BTCPay exists, so there is higher competition for them but instead of making things easier, they are making everything very hard and crypto unfriendly. Logically, this should destroy their business. Asking KYC for transactions is very unethical and disgusting.
BitPay has first mover's advantage and they make it easier (in theory) to accept fiat. In reality the users transfers the risk of freezing funds from an exchange to BitPay.
Relevant links:
https://github.com/btcpayserver/btcTransmuterhttps://medium.com/@prayankgahlot/instant-fiat-conversion-with-btcpay-1d2f3dd57352Isn't it my right to protect my privacy?
Statists' aspirations ≫ privacy for the individual