With Xapo, you can buy, transact, store, manage and spend your bitcoins. Keep the bitcoins you want to use for daily spending in your Xapo Wallet, and the bitcoins you want to store in your secure Xapo Vault. The Xapo Wallet has no fees, no delays, no geographic limitations and is also linked directly to the Xapo Debit Card – the world’s first bitcoin debit card. After making a deposit into a Vault account, Xapo puts the deposit in a computer that never has and never will have internet access so that it is always secure. They then encrypt all the data, segregate it into different chunks, and copy it onto external drives and paper. They securely store those backups in physical vaults in geographically dispersed locations.