I open two accounts with Xapo the other one was for my wife, and what happened is i received 3 bitcoins on mine for the first time and the second time i was expecting $40 when i checked i found out that my wallet address has been changed that means i have lost $40 and the worst is i'm expecting $520 to the very same address and there is nothing i can do to change that so i'm going to loose $520. The same thing happened to my wife's wallet, and this one is fanny because my wife expected five payments and she received three payments on that address and they saw that it's active and it receiving money and they changed it and gave her a new address so she lost the last two payments