xapo is making all out effort to get in first of all, I used them before, there is no problem, except the phone verification, the main advantage of btc is anonymous, but the xapo is killing the advantage with verification...
That!
That's kinda ridiculous though, they don't even mention about the verification thingy until you make the account.
I think thats the case with most hosted wallet services no? For example, most exchanges and wallets i've signed up for require some sort of document to be able to use. I used blockchain.info before but they seem to be less reliable compared to ~1 yr ago.