What are the options out there? I just got a WageCan debit card, but it's a bit disappointing. The exchange rate essentially cuts 4% into your balance. Plus, it stores the balance as USD, so it's not really clear to me how this is different than just withdrawing to your checking account and using a regular debit card when needed.

I've heard about ANX. Any thoughts on them?

Also, has Xapo made any indications as to their progress on releasing a debit card for US customers? What specifically is it with US laws/regulations that are making it harder for them to release in the US as opposed to anywhere else?