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What is the difference between my PIN, my Password, and my Second-Factor (2FA) code?

Your 4-digit PIN, your alphanumeric password, and your 6-digit Second-Factor Authentication (2FA) code are three separate unique keys that each serve an integral role in keeping your Xapo account safe and secure.


Your PIN is a 4-digit number that you create when you first sign up for a Xapo account.

This is used for several functions, such as logging in to your account or approving a transaction.


Your password is a supplemental, alphanumeric code that you create when you create a Vault or are invited to access a shared Vault for the first time.

While your PIN is the primary code you use for most actions, your password will be required as an additional measure of security when making a retrieval out of your vault.

Second-Factor Authentication (2FA) code

Your Second-Factor Authentication code (also known as 2FA) is a 6-digit number that can be found in your Xapo app.

Your 2FA code is needed every time you want to log in to the web browser version of your Xapo account, in order to prevent unwanted access by others.

This number expires and changes every 30 seconds, ensuring that your account is always kept safe.

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