non-bitcoin businesses could start right now without UMA, and get faster, cheaper, cross-border payments, just use LNURL.

The business will have to do "a lot" of work anyway, UMA don't add value to them, just a bad blueprint to follow, but "they" don't touch anything. The rate, conversion and change from fiat to btc (in best case scenario) or shitcoins are in the business orbit, the business need to "compliance" to local authorities and be enabled to accept btc and change for fiat.

From my view, UMA it's just trying to size an opportunity without risk, follow my recipe (pay me) and I am clean.

I need to dig a little more into the infrastructure they are using, because seems a "private" network on top off lightning, their nodes router only kyc/compliance invoices, so if a normal node try to connect with them, it will be forbidden.