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You keep bitcoins in your account, whenever and wherever you use your card just like any other visa card, corresponding amount of bitcoins is put aside by xapo until that transaction is settled. As far as the card owner is concerned the transaction is over since You get what you want, the rest is handled by xapo. I think employers should deposit salaries directly to the employees' xapo accounts. :) btw, if I am not mistaken the exchange to your local currency is calculated at the moment of the purchase , TRY-->USD $--->BTC .

Ok thanks for your reply, i dont know anything about bit coin and just learning, i dont know if this is available in Canada yet. Thanks

I think you load it in BTC and convert to different currencies. So in the shop when you use the card you spend fiat money. This is my understanding. This article hasn't fully explained it, but I have been looking into a card like this.

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