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Is xopay.com a Scam? Security Check Results - Exodus Movement, Inc. Reviews

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Is xopay.com Safe? Security Analysis for Exodus Movement, Inc.

Check if xopay.com is a scam or legitimate. Free security scan and reviews.

FinanceUnited Statesmedium
Next.jsReactJavaScriptGoogle AnalyticsIntercom
Analyzed 9/7/2025Completed 4:34:48 AM
66
Security Score
MEDIUM RISK

AI Summary

XO Pay is a cryptocurrency payment and exchange service integrated within the Exodus wallet platform, operated by Exodus Movement, Inc. It offers users in the United States (excluding New York and Vermont) a fast and secure way to buy and cash out cryptocurrencies such as Bitcoin, Ethereum, and others using Apple Pay, Google Pay, and debit cards. The service emphasizes transparency with no hidden fees and seamless transactions. The website is professionally designed with excellent content quality and clear navigation, targeting crypto users seeking easy fiat-to-crypto transactions within a trusted wallet environment. Technically, the site is built on modern frameworks like Next.js and React, with good mobile optimization and performance. Security posture is solid with HTTPS and no exposed sensitive data, though explicit security headers and incident response information are lacking. Privacy compliance is partial, with a clear privacy policy but no cookie consent mechanism. Business credibility is supported by clear branding and contact email but limited physical or phone contact details. WHOIS data is unavailable, which slightly reduces trust but is mitigated by the strong Exodus brand association.

Detected Technologies

Next.jsReactJavaScriptGoogle AnalyticsIntercom

🧠AI Business Intelligence

Technology stack, business insights, and market analysis powered by AI.

Business Intelligence

Market & Strategic Analysis

XO Pay operates as a specialized crypto payment service embedded in the Exodus wallet ecosystem, leveraging the parent company's brand and user base. Its market positioning targets US crypto users who want quick and secure crypto purchases without leaving the Exodus environment. The business model focuses on transaction fees and ease of use, integrating popular payment methods. The partnership ecosystem includes Exodus and major payment networks (Visa, MasterCard, Apple Pay, Google Pay). Growth indicators include the expansion of supported cryptocurrencies and payment options. The company maintains a moderate size and focuses on finance and technology sectors. Strategic observations suggest that XO Pay benefits from Exodus's reputation but should enhance transparency and security disclosures to strengthen trust further.

Extracted Contact Information

Marketing Intelligence Data

Email Addresses (1)

s*****@xopay.com

Security Posture Analysis

Comprehensive Security Assessment

The website demonstrates a mature security posture with HTTPS enforced and no visible sensitive data leakage. However, the absence of common security headers like Content Security Policy (CSP), HSTS, and X-Frame-Options is a gap. There is no published security policy or incident response plan, which limits transparency for security-conscious users. No vulnerability disclosure or security.txt file is present, reducing avenues for responsible vulnerability reporting. Privacy compliance is partial; while a privacy policy exists, cookie consent mechanisms are missing. The site uses third-party analytics and chat services (Google Analytics, Intercom), which may impact privacy. Overall, the security maturity is good but could be improved with enhanced headers, policies, and user privacy controls.

Strategic Recommendations

Priority Actions for Security Improvement

1

Implement and enforce security headers such as CSP, HSTS, and X-Frame-Options to strengthen defense-in-depth.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

Exodus Movement, Inc.

Description:

XO Pay is the fastest, most secure way to buy and cash out crypto, all within Exodus. No hidden fees. Just seamless and transparent transactions.

Key Services:
Buying cryptocurrencyCashing out cryptocurrency
Content Quality:

excellent

Branding:

consistent

Technical Stack

Technologies:
Next.jsReactJavaScriptGoogle AnalyticsIntercom
Frameworks:
Next.js
Performance:

fast

Mobile:

excellent

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
85/100
Best Practices:
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Use of security-focused meta tags

Analytics & Tracking

Services:
Google Analytics
Tracking Level:moderate
Privacy Compliance:basic

Advertising & Marketing

Tracking Pixels:
Intercom
Marketing Tools:
Intercom
Transparency Level:basic

Website Quality Assessment

Design Quality:excellent
User Experience:excellent
Content Relevance:excellent
Navigation Clarity:excellent
Professionalism:excellent
Trustworthiness:high

Key Observations

1

Website is fully accessible with rich content

🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

30/100
Score

Missing X-Frame-Options header

HIGH

Prevents clickjacking attacks

Missing X-Content-Type-Options header

MEDIUM

Prevents MIME type sniffing

Missing Content-Security-Policy header

HIGH

Controls resources the browser is allowed to load

Missing X-XSS-Protection header

MEDIUM

Legacy XSS protection (deprecated but still recommended)

Missing Referrer-Policy header

LOW

Controls referrer information sent with requests

Missing Permissions-Policy header

MEDIUM

Controls browser features and APIs

Sensitive data may be cached

LOW

Cache-Control header should include "no-store" for sensitive pages

👤GDPR Compliance

Privacy and data protection assessment under GDPR regulations.

GDPR Compliance

Privacy and data protection assessment

53/100
Score

No Cookie Policy found

HIGH

GDPR requires clear information about cookie usage

No Cookie Consent Banner found

HIGH

GDPR requires explicit consent for non-essential cookies

No Data Protection Officer mentioned

LOW

Large organizations may need to designate a DPO under GDPR

Privacy policy may not be GDPR compliant

MEDIUM

Privacy policy lacks explicit GDPR compliance elements

GDPR Compliance Analysis

Privacy Policy85% confidence
Cookie Policy0% confidence
Contact Information Found90% confidence
emailphone

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

17/100
Score

No information security framework found

HIGH

NIS2 requires documented cybersecurity and information security measures

No vulnerability disclosure policy

MEDIUM

NIS2 encourages coordinated vulnerability disclosure

No security policy documentation found

HIGH

NIS2 requires documented cybersecurity governance and risk management

No incident response procedures found

HIGH

NIS2 requires documented incident response and business continuity plans

No business continuity planning found

MEDIUM

NIS2 emphasizes operational resilience and business continuity

No security contact information

HIGH

NIS2 requires clear incident reporting channels

No vulnerability reporting mechanism

MEDIUM

Clear vulnerability reporting supports coordinated disclosure

No NIS2 reference found

LOW

Consider explicitly mentioning NIS2 compliance efforts

📧Email Security

SPF, DKIM, and DMARC validation and email security assessment.

Email Security

SPF, DKIM, and DMARC validation

85/100
Score

No BIMI Record

LOW

BIMI displays brand logos in email clients

No MTA-STS Policy

MEDIUM

MTA-STS enforces TLS for email delivery

No TLS-RPT Record

LOW

TLS-RPT provides reporting for email TLS issues

SPF
Sender Policy Framework
DKIM
DomainKeys Identified Mail
DMARC
Domain-based Message Authentication
MX Records
Mail Exchange Records
BIMI
Brand Indicators
MTA-STS
Mail Transfer Agent Security
TLS-RPT
TLS Reporting
DNSSEC
DNS Security
SPF Details
Record:
v=spf1 include:_spf.google.com a:xopay.com mx:xopay.com -all
DNS Lookups:3/10
Policy:-all
DKIM Selectors Found
Selector:google(1416-bit rsa)
DMARC Details
Policy:reject
Subdomain Policy:reject
Aggregate Reports:re+2da3354e0eea@inbound.dmarcdigests.com

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

75/100
Score

SSL Certificate Expires Within 90 Days

MEDIUM

SSL certificate expires in 37 days

Weak SSL Key Length

HIGH

SSL certificate uses 256-bit key, which is considered weak

Partial SSL/TLS Assessment

LOW

Completed 2 of 4 security checks due to time constraints

Certificate Details

Subject:xopay.com
Issuer:WE1
Valid Until:10/14/2025 (37 days)
SANs:xopay.com, *.xopay.com

OCSP Status

OCSP Stapling Disabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

85/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

CAA Records Not Configured

LOW

Certificate Authority Authorization (CAA) records not found

DNS Records

A Records:172.64.148.136, 104.18.39.120
AAAA Records:2606:4700:4402::6812:2778, 2a06:98c1:310b::ac40:9488
Name Servers:
frank.ns.cloudflare.comDNS only
jessica.ns.cloudflare.comDNS only
MX Records:
1: smtp.google.com
SOA:Serial: 2381855068, TTL: 1800s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:69ms

SPF Analysis

SPF Record:
v=spf1 include:_spf.google.com a:xopay.com mx:xopay.com -all

Network Security

Port scanning and network exposure analysis.

Network Security

Port scanning and network exposure analysis

100/100
Score

Good Network Security Posture

LOW

No unnecessary services detected on common risky ports

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

The website is built on a modern, performant technology stack using Next.js and React, enabling server-side rendering and fast load times. It integrates Google Analytics for user behavior tracking and Intercom for customer support chat. The site is mobile-optimized with responsive design and accessible navigation. No CMS is detected, indicating a custom-built solution. Hosting provider details are not explicit but likely cloud-based given the tech stack. Performance is fast with optimized images and videos. Technical risks include missing security headers and lack of explicit privacy controls. Opportunities exist to modernize security practices and enhance compliance features to reduce technical debt and improve user trust.
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