This smart app eliminates the high price volatility that is keeping so many merchants away from accepting Bitcoin. However, it acts more like an exchange rate locking deal since merchants still have to wait 2 business days to get the funds in dollars. So you have to face the same downside of credit cards for the speed of getting access to the funds, but at a lower transactional cost. Not the ideal situation but some improvement. Next step is speeding up that fund transfer, which implies dealing with a more structural problem of the legacy clearing and settlement systems.