TenX has an iOS and Android app that acts as both a wallet and a decentralized fee free exchange, then adds a debit/credit card functionality on top of that to let you spend your cyrptocurrency anywhere you could use VISA or Mastercard. You will receive an actual card. It converts it to your local currency so it works in any country. As of right now TenX supports Ethereum, Bitcoin, and Dash, and others.
