Finally got access to the Telegram wallet which they announced last year but I'd never seen in the wild. 

Looks absolutely sick, but unfortunately nerfed if you're American due to anti-US rage from Pavel. 

What I can't figure out is how the app is figuring that out given I'm in Dubai, and region set to Spain/Europe.

You can check out their twin, the iMe app. They have wallet integration with Binance, Arbitrium and other chains within the app, it's similar to Telegram Wallet. And it's very simple