I wrote in others post about it, my main issue is with the attitude (they have plenty as other user already show), they only sell a "framework", all the work is in the hand of the actors that use "their" framework. Fiat conversion, rates, kyc is on the hand of "other" people, UMA don't do a shit. And you know what the incentives are for actors to use that framework? $$$ :) fiat, it's not a superior tech, copy&paste common credit card flows on top of LN.

For me it's a marketing company, they are using all the tools available to pump shits, a lot of "paid" content, a lot of "paid" integrator, and catch phrases like "easy", "cheap", "decentralize", "compliance".

And if you flip and look from an enduser perspective... they never will know about LN or BTC, just a couple of input to send/receive money.