I was in the same boat a few months ago, but I found one that ticks all those boxes. It’s regulated under MiCA and PSD2, so it’s actually legit and safe to hold funds. You can buy BTC, ETH, or USDT directly with your card – no exchange account needed, and the coins go straight to your wallet. Verification takes under two minutes, and you can skip it for amounts under $1,000 if you want to test first. It works in 180+ countries and shows the total cost upfront, so no surprises. The first trade is free too. I’ve been using it for months and it’s been reliable for both buying and selling. Check it out: https://apps.apple.com/cy/app/crypto-wallet-bitcoin-paybis/id1584641245 – it really simplified everything for me. Support is responsive and the interface is clean.