Xapo allows users to purchase, exchange, manage, store and deploy their bitcoins. The product, Xapo Wallet, is a way to manage and hold daily spending while the Xapo Vault safely keeps all the stored bitcoins. This is compelling for the target group as the Xapo Wallet has zero fees, cross-border access, timeliness and can be directly connected to the Xapo Debit Card (the first bitcoin debit card in the world). Data stored remains secure, encrypted, segregated and backed up with external drives and paper.