I have had nothing but trouble with Xapo, starting with the fact that only certain types of mobile numbers (not the ones I use) will work to verify an account. An unverified account is as good as useless. At one time I was playing a game that used Xapo--the only way to access Bitcoin earnings was through a Xapo wallet. I went round and round with Xapo and got nowhere. And then the game closed down, so I lost my 100,000 satoshis or so. It was so not worth it.