Some worth of advice, don't switch to 'Paysera', 'Wise' or any other fintech app. They have a whole chinese-style surveillance apparatus in place and hate bitcoiners. Let them go bankrupt.
Discussion
Xapo is pro bitcoin: https://www.xapobank.com/
Them relying on USDC is a 🚩 for me. Also they dont seem to have any integration with the EU banking system. If you want to use p2p btc trades you need a SEPA account in the EU... So what can they really do for you? The card for 120 dollar a year?
I don't see any problem to accept usdc or usdt to receive dollars. They convert the stablecoins to dollar. They have integration with GBP banking. But I understand you, maybe not a service to all, but for people that lives in underdeveloped countries, can make sense.