I wanted to provide some clarification on the Xapo card for you. Hopefully you are open to update and feel free to let me know if you have questions.

Xapo debit card:
Maximum card balance: There is no maximum. You can spend directly anything you have in your main wallet.
ATM withdrawals: $400 if you dont provide any ID or proof of address. Goes up to $2000/day as soon as you provide this info
POS purchases: Up to $2500 without ID/address. Goes up to unlimited when you provide this info
Monthly fee: Was removed in September last year. We pay this for our users

Note that we are not a preloaded card. Meaning you dont need to spend btc and load fiat onto the card. We withdraw bitcoins and load those funds in fiat onto the card immediately when the card is swiped.

The rest is correct. Let me know if I can clarify anything else