I understand you...

Using a service with KYC, fiat and that continues to support the traditional system is not desired, but if we do not have other options (P2P with Bitcoin, Bitrefill coupons, etc.) we have no choice, right?

What I have discovered in my search for a card without KYC and that allows you to pay in Bitcoin, is that it does NOT exist. You would always have to convert to fiat, because current merchants do not accept Bitcoin otherwise.

Therefore, the ideal is to really use Bitcoin directly, from wallet to wallet, peer to peer, as it should be. But convincing an online business, with hundreds of thousands of sheep following the flow, of this is not easy.

In my case, although I have been starting to instill Bitcoin in my nearby businesses for some time, Wirex is the account that I have used daily for two years, especially in online stores.

You don't have to leave all the money, but you can generate high interest and then use it with your card anywhere in the world.

I do not recommend using their swap service unless it is to convert stable currencies. The commissions are very high, including spread, although in general, unless they are not in the savings account, they are recovered in a week using X-Accounts.

It's not a scam, though, it's a scam for using fiat and being a "bank." The ideal is to stay away from this, but until you get used to using only Bitcoin in your nearby businesses (convincing the owners), or in online services that do not support Bitrefill or similar, it does not hurt to have these options.

If you want fiat, and don't want to hear about Bitcoin, take your fiat. I'm not going to waste my time and Bitcoin if a store won't even agree to hear about the benefits of Bitcoin.

If you choose Wirex, you can find the link on my website, with some more information.