XCARD is an old polish/estonian scam, do not trust any project that promise that they will deliver first working crypto cards. If it is possible, why big companies like Binance or Coinbase didn´t do that? Because the problem is with regulation, id verification and so on. These startups just want take your money, thats all.
Absolutely! Crypto payment is possible, but the crypto card idea is yet to become real. I agree with you that Crypto cards will take huge regulations, though I am confused about the Crypto dot com services. I saw many Crypto card based project like Amon, Xcard, Hashcard and so on, and no one succeeds!