Look, I've tried a bunch of these "buy and hold" apps, and most either hide fees or make you jump through hoops. This one just works. https://apps.apple.com/us/app/paybis-wallet-buy-bitcoin/id1584641245 — download, verify (takes two minutes), add a card. That's it. Every purchase goes straight to the built‑in wallet. No exchange account, no withdrawal fees, no waiting. What finally convinced me was the licensing: MiCA and PSD2, so it's actually regulated. Fees are right there before you tap buy, FaceID makes repeat purchases a breeze, and you can send to any external wallet later. Also handles ETH, USDT, and BNB without extra steps. Been using it for months, not a single issue. If you're done with exchange games, give it a shot.