I see your point. Although I think it's arguable to say the same of using your debt card in another country's currency. American debt card in Mexico or Canada for example. The merchant requires their form of currency. Since you use a Bitcoin bill pay service, you don't have to ever touch their form of currency. I imagine it looks like this on the back end: You send Bitcoin as payment to Strike. Strike sells that Bitcoin to another Bitcoiner (probably) in the Vendor's currency Strike then pays the bill This is at no cost to Strike's clients while simultaneously providing their exchange with more liquidity for their clients trying to sell fiat. Pretty neat cycle.