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BitPay is a highly capable, self-custody crypto wallet designed primarily for spending and merchant payments. While highly secure and feature-rich for everyday crypto spending, the overall consensus in crypto communities is that it can be complex for beginners. Users frequently express frustration over high network fees and rigid customer support.The Good: ProsSelf-Custody & Privacy: You retain full control of your private keys.Built-in Spending: Integrates seamlessly with the BitPay prepaid Visa card, allowing you to load and spend crypto for everyday purchases.Multisig Security: Offers optional multi-signature protection.Merchant Integration: Built specifically to easily process payments on BitPay invoices without causing transaction errors.