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 GM. 
We are on this path as well. Converting the remaining fiat reserves as fast as we can. Can you share any details on the “btc credit card”? Assuming this is something from transferwise? 
 Shakepay in Canada 

Can spend your BTC through a visa debit card 
 👍 Requires holding a fiat balance though. Ideally if going this route would be to rack up the credit tokens first then pay it off at the end of the month with bitcoin. 
 I like the sats back and the random shakepaid feature 

I hold a sats and fiat balance in here (checking/hot savings) and just sell a bit when fiat gets low or I'm about to buy something expensive  
 Shakepay sounds a lot like a bank to me:

- KYC
- Custodial
- Fiat conversion
- Incentivize using the Visa network