OK. So I started using their wallet app (improper saying wallet, is just an account) in 2015. Was all ok back then with the lack of wallet apps. I use it more for receiving tips and small amounts etc, just to not use my other wallets. Then move the sats in a larger quantity to one of my personal wallets, you know, better UTXO management, stuff like that.

Then they offered me a VISA card linked to that wallet. I said, OK, let's try it. Back then very few merchants knew about BTC so was another experiment for me.

Was quite OK that card. I use it only emergencies cases. The exchanges happen in real time. I mean you do not have ANY fiat in that card. In the moment of the payment, is making the exchange from your wallet into fiat and pay the merchant. Was quite impressive achievement with that.

But then they start asking more and more questions, KYC, raising fees etc. So I said, fuck it, this is not Bitcoin and I close it.

From then I never used anymore Xapo. I know they've changed a lot between 2016 until today, even passing through shitcoining. Another bleah...

Sincerely... I do not trust them anymore. Is just a fucking bank that wants your sats and give you shitcoin fiat. That's all.