Zapstore is decentralized.
You can use it with any relay as long as it follows the Software Application NIP I proposed. To change the relay, at the moment you need to fork the app because it's hardcoded.
I will of course make that much more convenient, relay management is coming to the next major version for which I'm working my ass off.
Every piece of the stack is open source and I will encourage people to run other relays instances with software releases.
I don't know who said it was centralized but why would it be, when it's built on nostr and supported by OpenSats? Makes no sense.