Speaking of spreads looking at the Alby platform option of topping up your account it takes you via another provider to buy sats and it looks like about 1% fee over market rate.

It was hard to exactly calculate the margin in part because price is now quite volatile. Alby looks like a very professionally presented platform but also definitely more expensive than some of the alternatives.

There's sure to be a place in the market for many different styles of wallet and more competition is healthy.