Too Long; Didn't Read
PayBX is a payments mobile application for iOS and Android that integrates with centralized and decentralized exchanges, wallet providers, and more. Users can spend Bitcoin, Ethereum, and other cryptocurrencies in any online store. The app indexes your cryptocurrency holdings across different wallet and exchange providers and allows you to create virtual debit cards funded with the cryptocurrencies of your choice. These debit cards can then be used anywhere online. There’s no monthly fee, card setup fee, transaction fee, or anything. There's only a fair and modest transaction fee made clearly visible to you.