I will be going to the US on a student visa. Niyo has paused NIYO Global card by DCB and NIYO DBM is in beta phase. Can I use NiyoX VISA Platinum Debit Card as a substitute for these cards and forex cards? I believe NiyoX VISA Platinum Debit Card will not have forex charges when I do transactions from the US. It will just convert the INR to USD on that day as NIYO DCB does. Is my understanding right?