Ok I see, I don't think there is one in my country, maybe one in foreigh fiat could work but with several layer of fees, not really interested. Also it's full KYC.

There use to be a service, non-kyc, for virtual visa toped up in sats, paywithmoon or something, it was cool for online shoping, like digital games, but it was limited to US merchant and they stop the service afaik.

For me, the best would be to sell my btc p2p at premium with Peach or Robosats, and get paid on my Revolut (I share the pseudo only, no name, no phone), then I spend the fiat anywhere in any currency at almost no fee. But you need to sell in advance regularly when you know you will need.