Do you know of existence of f.e. Revolut card?

- already accepted in about 130 countries
- card transactions at bank rate without fees
- money transfers worldwide with no fees
- already added possibility to add/exchange crypto (premium account for now, soon also standard accounts)
- web and mobile app available
- offer travel insurance for card holders
- lots of promotion campaigns, I got this card for free

- no need to buy coin and setup masternode

Wanted to just tell that similar to what you propose already exists and offered by big and serious companies who doesn't hide anything, for a very small price.
And I'm sure that it's not only Revolut and if someone really interested - he can find lot more options.