Not sure if Wispay supports fiat, but ya, I agree with you.
I guess that's exactly why Wispay is mainly used by some streamers to get donations online currently, as online donation is generally non-refundable, and with no 'price tag' attached with every transactions.
I think the whole market needs to solve the volatility issue before merchants is willing to accept cryptos.
Wispay seems like a bitpay like service where anyone can pay using their credit cards or bank account and the receiver will receive the money in his wallet as per the prevailing value of his chosen crypto and vice versa. A fiat to crypto or crypto to fiat wallet service it seems like. I would very much like to pay through my cryptos for any service that I will purchase because that should be considered as a legal tender in my jurisdiction. Otherwise it makes no sense. Otherwise if cryptos are not a legal tender, then I won't have the power to dispute the trade if anything goes wrong.
Lets assume, I bought a mobile phone from an online merchant using my cryptos who accepts this wallet service and in return I received a defective piece. Now if the merchant disapproves my claim and denies to return it back, I would not be able to go to any regulator to lodge my complain. But if cryptos are recognized as a legal tender, I would love to use my cryptos from my daily expenses as well.
That's how a the next wave of growth will come!