Xapo’s security pedigree dates back to 2013, long before most banks could spell Bitcoin. Cold-storage vaults, multi-signature keys, and real-time threat monitoring keep your BTC out of hackers’ reach.
Xapo is independently audited and, unlike many “yield” platforms, never rehypothecates client coins. In plain English: your Bitcoin stays yours, locked away until you choose to spend or borrow against it. For USD balances up to the EUR 100,000 equivalent, deposits enjoy statutory protection under Gibraltar’s Deposit Guarantee Scheme—an extra safety net rare in crypto.
Parking idle assets is expensive in inflationary times. Xapo flips that dynamic by paying daily interest in Bitcoin—not vouchers, not worthless reward tokens. You’ll earn:
With compounding credited every 24 hours, your stack grows without lifting a finger. That’s powerful for wealth preservation and even more appealing for anyone paid in fiat but stacking sats for the long haul.
Pay your morning coffee, swipe for a Mercedes, or withdraw cash in Bali—Xapo’s metal debit card handles it all with zero hidden FX fees. Spend directly in BTC with an industry-leading spread of just 0.1% or in USD wherever Visa or Mastercard are accepted.
Every purchase earns up to 1% cashback in Bitcoin, uncapped, credited instantly. Add virtual cards for online shopping, and enjoy ATM withdrawals up to USD 100 per month free (2% thereafter). It’s one of the cheapest, simplest ways on Earth to live on Bitcoin without touching an exchange.
Need capital for a property deal or new venture but refuse to part with your coins? Through Xapo Credit Limited, pre-approved members can borrow up to $1 million USD at LTVs between 20% and 40%. Interest floats around 10%—competitive against private-bank lines—while terms run one to twelve months.
There are no origination fees, no early-repayment penalties, and no monthly statement surprises. Your BTC collateral stays in cold custody, untouched until you repay. Funds land in your Xapo checking balance in seconds, ready to wire, spend with the card, or move off-platform via bank, crypto rail, or the Lightning Network. You unlock liquidity, keep market exposure, and sidestep the capital-gains headache that comes with selling.
All these perks live behind a $1,000 annual membership fee. For high-net-worth individuals, family offices, or founders sitting on sizable stacks, that’s a rounding error compared with the spread, FX, and custody fees they already pay elsewhere.
For smaller holders, the price may sting—though uncapped BTC cashback and waived trading fees often offset it quickly. Bottom line: Xapo is not chasing retail quantity. It’s designed for quality clients who value security, privacy, and seamless global access more than a free checking account.
In a market crowded with flashy fintechs and yield farms, Xapo Bank stands apart by marrying the regulatory rigor of private banking with Bitcoin’s open-money ethos. For $1,000 a year you get:
If you’re serious about protecting, growing, and living on your Bitcoin wealth—without compromising on regulation or convenience—Xapo Bank may be the most complete financial toolkit available today.
