EMI's like Wise and Revolut tend to flag such ventures simply as a Crypto Exchange - this happened in the past to MisterTango before they re-branded or Fidor Bank which was mainly used for Crypto Transactions related to Kraken or Bitcoin.de - from todays point of you not a bad move from EMI's like Wise and Revolut as this prevented them from ending as a Laundromat like MisterTango or as a Insolvency Case like Fidor Bank.
As XAPO is a licensed Bank in Gibraltar but︀ entirely focused on Crypto I can imagine that they are getting additional or manual transfer︁ Reviews from EMI's as a SEPA Transfer is nowadays not taking longer then 3 Business︂ Days - usually even SWIFT Transfers are moving faster within 1-2 Business Days.
I did︃ hear only good things about XAPO Bank from clients using the Cashback Xapo Card spending︄ BTC but not using the Fiat On-/Off-Ramping XAPO Bank provides - personally for being a︅ fully regulated Bank I think the Fiat Payment Rails of XAPO Bank could be better.︆