I use electrum it's okay everything is fine, but i want the ability to go a local shop that accepts bank cards, and use the xapo card to directly pay for my purchase in Euros using the xapo card that has a btc balance
I have no idea which wallet is the best choice to spend btc like a credit/debit card would.
But I personally do not use Xapo, and do not recommend using it.
Which country has such level of adoption already that you can spend btc at local shops?
Are you from Japan?