But Xapo I don't think is the solution..

The way I think works.. is transaction happens in Fiat at the POS... XAPO just takes the exact amount plus a fee from your bitcoin bag.

The Bitcoins only travel between XAPO and the Bitcoiner. Not through the Merchant.. I believe and correct me if I am wrong.

So this is not a solution at all. For Bitcoin to spread its wings, the coins need to flow through The Merchant, The POS AND The bitcoiner or bitcoiner-ette.

In Xapo's case, the merchant never sees the coins.. so what is the point?