Did someone here insinuate that Xapo is a scam? Ive purchased $300 United States FIAT and deposited into my Xapo wallet from a physical BTC ATM. Then transferred the funds to LocalBitcoins.com. It took over 1 hour for the funds to arrive.
But I have had an experience where I transferred the funds into a site like FishBitFish which is now defunct and it didnt arrive. Why? Because some sites don't accept payments from micropayment wallets. Xapo doesn't pay the transaction fee in the traditional way that you would be required to. So to use Xapo properly I would transfer it to a Hard-Drive wallet like MultiBit prior to any large transfers. Especially if it's a large amount. Although I've sent 50 cents to specific online wallets directly from Xapo in the past.