Seriously, I don't consider XAPO as wallet anymore, can't even believe that some people still uses it. I had sure a terrible experience with them that I will never think of using them. I remember when I started with bitcoin years back, I thought it was a good wallet then I store my coins there. Months later, i changed location and I tried accessing my wallet but was so surprised that they deny me access to my coins, saying that my location is invalid comply with the user name and password. I had to look for VPN and IP of the same location i opened the account before I accessed my coin. Immediately, I moved my coins and was done with them.
Well, the thing here is that they at least seem to have very high security standards, which can never be a bad thing, but people always find something to complain about. It's just impossible to satisfy everyone.
If the security is low level, people complain about the risks they are exposed to, and when the security is top notch, people complain yet again. There doesn't seem to be a feasible mid-way solution. It's one or the other.
Quite often when I enter Coinbase, it prompts me to a page telling me that they detected a new device, while the device is still the same, and my IP as well. In order to gain access to my account again, I have to manually verify it.
It's annoying, but I appreciate that extra bit of security. Everything better than losing your balance to a hacker or whatever.
The security purposes of XAPO is to protect people who give their real information. However, there are many xapo users before that they didn't put their real information just for the safety of their lives and mostly XAPO is mostly used by faucet hunters who claim free bitcoins before including me.
I own a xapo wallet before and most of my faucet earnings receive in my xapo account, but right now I can't login because of their new policy.
I think I use xapo in the past around 2015 and 2016 after that, I try to open my xapo account last December 2017 because the price of bitcoin is increasing a lot but it failed to recover and login to my xapo account because the phone number that I used before is gone, but I tried to recover, but no success.
So if you are planning to use XAPO better to give your real information, but for me right now if you want to keep your bitcoin safe and fully control I suggest that you use electrum wallet instead or bitcoin core.