No. That entire industry is nothing more than intermediary. Why do we need need something like that when a wallet will do the same thing.
It is a hybrid because most people understand debit and credit cards.
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What is the best wallet to have for crypto? To be used in in the real world for payment for food and such?
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I don't have an answer to that question, but only because I think it depends on which cryptocurrencies you hold and which ones are accepted by the merchants you care about.
I'd like to use HIVE or HBD (once I have enough to spend), but without someone else accepting either all I can do is let them accumulate and earn interest.
Perhaps Metamask can suit your needs, and I think Hive blockchain uses it.
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