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Currency exchange rates and other questions

Hello all, I am considering to get a crypto account and I have some questions: 1. What exchange rate is used for currency exchange? For example, if I travel to another country and withdraw money in a different currency. Does crypto use VISA exchange rates? its own rate? 2. As far as I have seen, for currency exchange there is no fee until certain amount, e.g. with Ruby card you can exchange currencies up to 4K without any fee. Is my understanding correct? 3. I live in Europe, I have read I can have euros as well in my account. Are the euros protected by the central bank or something? In other words, if crypto goes bankrupt, can I get my money back? I think so far these are the only questions I have not found an answer yet. Thank you in advance and regards.
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