Xapo provides its users with a fairly convenient wallet for daily operations, as well as a Vault (cold bitcoin wallet), designed for long-term safe storage of crypto currency, bitcoin. There are mobile versions of this purse for Android, as well as for iOS. In addition, each user can order a Xapo debit card for purchases in online stores or withdraw cash from ATMs around the world. Appearing in 2012, HARO is confidently gaining momentum. Thus, according to experts, the total investment in the project for 2014 amounted to 100 million. From what, we conclude that HARO came to the Bitcoin market "seriously and for a long time."