elmanager, sounds like you need to look into
nexo.ioYou can keep HODLing your bitcoin or ether and just use it as collateral to get a loan in USD or EUR. Moreover both Revolut and Transferwise and many more banks accept SEPA transfers from Nexo, unlike transfers from exchanges like Kraken.
Thanks but for this service im using wirex from 3 years, iCard is now the solution for kraken, the contactless service app is a nice extra to it. So wirex for bitcoin and altcoins and iCard for sepa deposits from kraken.

Revolut and Monese are the backup plan for top ups. No need loans nor anything that doesn't accept sepa from kraken. With iCard you got 3 virtual cards a contactless icard, virtual visa and virtual mastercard. All got daily limits 5k eur with 2.5k eur per single transaction as the first got 15k eur weekly or monthly limit so 25k at all limits per month. Im waiting for my plastic one as 4th card in the app and I expect additional limits there.