I simply charge the money I want to spend to my points - earning credit card, and the recipient can direct deposit the value directly to a linked bank account. (thepointsguy.com)
For example, Circle noted that it works with both white - and black - hat hackers to ensure its system is safe from cyberattacks, maintains geographically distributed secure vaults and keeps 100 % of its customer deposit value in its reserves. (coindesk.com)