Xapo, Inc  = a Delaware, US company who is operating financial services.

Xapo, Inc is NOT registered as money transmitter in Delaware nor in any other stare, so it is operating illegally.

For reference, Coinbase is operating in Delaware, USA as well but this is their license  :  https://www.coinbase.com/static/licenses/delaware.pdf

I don't understand why the people are discussing the service of an illegal firm.