I edited my application earlier, but it's better to post my question here:
It looks like I'll have to install an app on a smartphone. If there's no way around that, I won't join this review.
Several reasons:
1. Smartphones are inconvenient to use for finances.
2. I can't easily use a VM or wipe my smartphone.
3. I don't want to install VPN software on my smartphone.
4. I never install unknown software on my devices.

If I can review without a smartphone, I'll gladly apply. If not, my review ends with "I'll never use such a service". I don't even install software from my bank.