# Xapo Bank

> Publicly sourced profile assembled by Optimly, in the Brand Index. Last refreshed 2026-11-06.

- **Brand record:** https://optimly.ai/brand/xapo-bank
- **Dataset:** https://optimly.ai/brand/xapo-bank.json
- **Markdown:** https://optimly.ai/brand/xapo-bank/llms.txt
- **Official website:** https://xapo.com
- **Slug:** xapo-bank
- **Categories:** fintech-financial-services

## Overview

- **Tagline:** Xapo Bank is a regulated Gibraltar-based bank offering Bitcoin custody, USD savings, crypto services, lending, investing, and global transactions.
Source: Brand's website (https://xapo.com) · 2026-11-06

- **Description:** Xapo Bank helps members secure, spend, and grow wealth across Bitcoin, USD, stablecoins, and other investments. It offers protected USD balances, Bitcoin savings, BTC-backed borrowing, investment access, global payments, and dedicated relationship support.
Source: Brand's website (https://xapo.com) · 2026-11-06

## Identity

- **Mission:** To serve the full spectrum of Bitcoin wealth by giving people who want liquidity without losing exposure, and those building wealth, a path to grow their holdings.
Source: Brand's website (https://xapo.com) · 2026-11-06

- **Website:** https://xapo.com
Source: Brand's website (https://xapo.com) · 2026-11-06

- **Voice & tone:** Premium, security-focused, Bitcoin-native, and service-oriented.
Source: Brand's website (https://xapo.com) · 2026-11-06

- **Founded:** 2013
Source: Brand's website (https://xapo.com) · 2026-11-06

- **Headquarters:** One Grand Casemates Square, Gibraltar
Source: Brand's website (https://xapo.com) · 2026-11-06

## Offerings

- **Problem solved:** Xapo Bank helps customers access liquidity, banking, spending, investing, and wealth-growth services without needing to sell or otherwise give up long-term Bitcoin exposure, while providing secure custody and dedicated support.
Source: Brand's website (https://xapo.com) · 2026-11-06

- **Core capabilities:**
  - Bitcoin custody with triple-layer security, including underground vaults, MPC technology, and tailored personal access
  - USD Savings with returns paid daily in Bitcoin
  - Automatic conversion of USDT and USDC deposits into USD balances
  - Bitcoin savings and BTC yield products
  - BTC-backed loans with up to 40% loan-to-value and flexible terms
  - Global sending and spending in major currencies with no FX fees
  - Access to U.S. stocks, ETFs, and altcoins
  - Dedicated relationship managers and 24/7 in-app or email assistance
Source: Brand's website (https://xapo.com) · 2026-11-06

- **Products / SKUs:**
  - USD Savings
  - Bitcoin Savings
  - BTC Credit Fund
  - BTC-backed loans
  - U.S. stocks, ETFs, and altcoin investments
  - Global sending and spending
  - Bitcoin custody
  - Designated beneficiaries and inheritance services
Source: Brand's website (https://xapo.com) · 2026-11-06

- **Pricing:** Membership has an annual cost, but the amount is not stated. New members are offered 4.6% variable APY on USD Savings, paid daily in BTC, for the first three months, followed by a 4.1% variable base rate. Bitcoin Savings pays 0.25% APY, and the BTC Credit Fund offers up to 4% APY. Membership can be paid in USD, GBP, EUR, USDT, USDC, or BTC.
Source: Brand's website (https://xapo.com) · 2026-11-06

## Audience

- **Target industry:** Banking, financial services, cryptocurrency, and digital assets.
Source: Brand's website (https://xapo.com) · 2026-11-06

- **Customer base:** Members and customers holding or building wealth in Bitcoin, USD, stablecoins, and other investments. The website features members from New Zealand, the Netherlands, Portugal, Singapore, Germany, the United Kingdom, Brazil, and Poland.
Source: Brand's website (https://xapo.com) · 2026-11-06

- **Ideal customer profile:** Bitcoin holders and wealth builders seeking secure custody, liquid USD access without selling Bitcoin, Bitcoin-denominated returns, BTC-backed borrowing, global financial services, and personalized relationship support.
Source: Brand's website (https://xapo.com) · 2026-11-06

- **Use cases:**
  - Earn Bitcoin on USD, stablecoin, or Bitcoin balances
  - Convert USDT or USDC deposits into protected USD balances
  - Borrow cash against Bitcoin without selling long-term holdings
  - Invest in U.S. stocks, ETFs, and altcoins
  - Send and spend money globally in major currencies
  - Securely custody Bitcoin
  - Designate Bitcoin beneficiaries and plan wealth transfer
  - Receive personalized support for banking and crypto needs
Source: Brand's website (https://xapo.com) · 2026-11-06

- **Customer outcomes:**
  - Grow Bitcoin holdings through savings and investment products
  - Access cash while keeping Bitcoin exposure
  - Hold USD with protection under the Gibraltar Deposit Guarantee Scheme up to the USD equivalent of £120,000
  - Transact globally without FX fees
  - Manage fiat, stablecoins, Bitcoin, and investments in one app
  - Receive dedicated relationship support and 24/7 assistance
  - Protect and transfer Bitcoin wealth
Source: Brand's website (https://xapo.com) · 2026-11-06

Page last updated 2026-11-06.

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