I am looking for the same thing too. My experience: discard Xapo, their fees increase proportionally to the BTC value.
And as they said above, it depends on you are BTC investor or just a faucets user. I use faucets, earn around 40-50 $ per month. And if you are going to use faucets, Xapo really sucks.
Not only Xapo, but coinbase has also started to charge fee for each transactions making it difficult for the small transactions to be made as the fee involve in them is quite high. Like Faucets already giving very less SAT due to high bitcoin price, the no more free tx wallet make it even more less for the person who wana spend the small amounts, earned from the faucet.
I have switched to desktop wallet because its no use keeping bitcoins with xapo / Coinbase and have no control over the private key and also no more free offer of free transaction.
True.
I have some funds in Coinbase and cant get it because I am regretting the fact that it will eat a lot of my funds just for the fee. Perhaps, I will add some more to at least satisfy that fee.
Many of the wallets are getting higher fees also and I just use trading sites for now for transferring bitcoins because they got lower fees.
This is a heck of a chaos and should be brought back to where it should be when the traffic is fixed.
even hardware wallet need high fees too, nothing that we can do to prevent this, just take it or leave it