When we receive your funds for buying crypto on Xcoins, we lock in the rate for you. This means you receive exactly the amount of coins you pay for. This is immaterial of whether the market price shifts when you receive the coins in your wallet.
We do this because it’s simpler for you to get the coins you paid for. If we sent out coins based on a live market rate, you may get less or more coins than you originally ordered. We believe it is fairer to lock the price in at payment.