A serious problem affecting X-bank: if you lose your phone you may lose all your money.
This is what is happening to me.
I've lost my phone, and with it my phone number, since I don't like to have a contract with phone companies.
Since IP typically changes now and then on your Internet-connected PC, X-bank didn't allow me to enter my account, even though I had set 2ath. It has sent me an email to unlock my new IP.
However, without my phone number I could not enter my email address any more either. Yes, also email providers nowadays are happy to verify you again and again though your phone number, as soon as you are changing IP or browser or whatever.
So now I am not able to enter my X-bank account any more, even though I have done nothing wrong, I didn't lose my password and I didn't lose my 2auth (I had the 2auth on my lost mobile, but I also had it backuped on my tablet).
In my X-bank account I had deposited 2 Million X-cash coins so that I could get the airdrop.
Now I am denied access to my funds.
This totally sucks.
Wasn't crypto invented to that we the people could stop getting screwed by banks?
So this totally sucks twice as much.
Seriously, guys, that's a serious bug in your security setup. People in crypto lose money if they do mistakes, but the way you have designed it people may lose access to their funds if they just lose their mobile phone. At least, make the email verification after IP change an option people can chose to activate and deactivate. Losing access to your funds is simply unacceptable.
Very uncool, for a bank, even more uncool for a crypto bank.