Not sure I understand. I transfer the $700 from band to Fold and opted into the program for them to auto buy $21 when the $700 shows up.  
I stack that with paying my credit card bill and get an extra .5% back in Bitcoin.  

 My question is if you ever used it linked to NFC in your mobile and payed stuff IRL  

 In real life I’m just a head in a tube! 

https://media.tenor.com/xmd6s39bTSgAAAAC/shocked-shocked-face.gif