I asked st the forum and people told me that if I use crypto.com someday may change the address and I lose my payment
Do someone know any wallet that you can get a credit card like on Crypto.com but where I own the wallet?
These two requirements contradict each other. You can either pass the control of your wallet to a credit card company or have control yourself. As long as you allow another entity to spend money from your wallet, it’s no longer your wallet.
Pretty much spot on. The only way to kinda get the both of these two worlds is to keep your HODL amounts on some hardware or cold wallet and then move it to a Card access service (read Crypto.com) when you wish to use some of it so that you’re never really keeping a ton of liquid funds outside of your full control. Pesky to move around, but keeps most of your funds in your control.