Brief overview on XMoney:
-6% APY (no cap).
-Metal Visa Card (X-Handle engraved).
-3% Cashback unlimited.
-Instant P2P to any X-Handle.
-FDIC up to $10M (sweep).
-Zero foreign fees.
-Free ATMs.
-Visa + Cross River Bank.
Higher for ethereum:0x21cd589a989615a9e901328d3c089bbca16d00b2