Isn't SDIO for when you want the host to get access to the resource? These cards work by inspecting the FAT32 filesystem on the card and separately connecting

Isn't SDIO for when you want the host to get access to the resource? These cards work by inspecting the FAT32 filesystem on the card and separately connecting to wifi uploading the files on their own (so they work with any typical point-and-shoot or DSLR camera)