Plutus physical accounts can only be loaded through your Plutus funding account. You can sell Pluton for fiat now. Money can only be spent via online purchase (using virtual terminals e.g. in merchant shops) or purchase with a physical card.
Currently Bitcoin/Ether is unavailable as we are still in beta, completing the final touches before our public release. Plutons are the only way, for now, to top-up your card. You can buy Pluton tokens from an exchange, eg. Radar Relay at https://radarrelay.com/ . More exchanges and our own PlutusDEX will be available in the near future to give you more options for topping-up and spending.
Below is a video on how you can Top Up your Plutus Debit Card using the Plutus Tap & Pay app: