I currently have Uphold for buying wide swath and Celsius for holding long term with high interest, though it is still only 2.5% say for XRP
Any suggestions?
I am looking for a debit card + direct deposit bank that can also do compounding high interest when holding cryptocurrency.
You mean so that the government can take your tax money, bail out the bank and then the bank gives you a few bread crumbs to cover your loss?
No, there's no such feature in crypto. It's like cash or gold, if you lose the key it's inaccessible forever.