Can you access Bitrefill via Tor or VPN so they cannot tell you are in a sanctioned region?

Have you tried CoinCards.com?

If you want to start a local alternative, you need to find a way to acquire gift cards, phone credits, etc. at a discount. This will allow you to be sustainable as you can sell them at face value for a small profit.

Usually brands will offer discounts on their credit when you reach significant volume. Until then, use a gift card issuing API offered by a third party. Then you are simply a Bitcoin translation layer to that API.

Maybe you can find a card issuer in your country. These card APIs are used by corporations to automate gift card delivery for employee birthdays, etc.

You will likely need to sell your first 1000 cards at a loss (or break even). It may be possible to charge a premium if you have a local monopoly at the start.

Build a WooCommerce site with Wordpress. Connect the site to your Bitcoin/Lightning node using the BTCPay plugin. Find an API for issuing and sending digital gift cards at wholesale and integrate their API into your site.

Your site would simply handle the conversion of sats to Fiat so you can pay the Card API provider. Make sure you have enough profit to cover any exchange fees from selling sats.