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Xapo Bank
Xapo Bank is a members-only private bank for Bitcoin holders. It provides Bitcoin and USD banking, custody, savings, Bitcoin-backed loans, investing, global payments, and inheritance features through its app.
Gibraltar, GI
Xapo Bank Loans
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Description
Xapo Bank Loans provides eligible active members with USD loans secured by Bitcoin collateral. The service supports loans from $1,000 to $5,000,000, with a maximum 40% loan-to-value ratio, variable interest, flexible repayment, and loan upsizing; collateral may be sold if required loan-to-value thresholds are breached or the loan cannot be repaid.Category: Centralised Borrowing & Lending
Xapo Byzantine BTC Credit Fund
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Description
The Xapo Byzantine BTC Credit Fund is a Bitcoin-denominated mutual fund regulated by the Cayman Islands Monetary Authority and managed by Hilbert Capital Ltd. It provides short-term secured BTC loans to selected Tier-1 institutional borrowers under a conservative structured-credit strategy, targeting up to 4% annual yield in BTC. The fund offers monthly subscriptions and monthly redemptions with 30 days' notice, subject to eligibility, onboarding, and suitability requirements.Category: Yield Aggregator
Xapo Bank Custody
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Description
Xapo Bank Custody is Xapo’s Bitcoin custody service for members who want the provider to manage the technical complexities and risks of self-custody. It uses a custodial model with MPC-based private-key sharding, geographically distributed physical vaults, authentication controls, segregated wallets, and a BTC Vault with a 48-hour withdrawal delay. The service also supports beneficiary designation; crypto-asset services are provided by Xapo Vasp Limited, a Gibraltar-regulated Distributed Ledger Technology Provider.Category: Custodian
Invest
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Description
Invest is Xapo Bank’s execution-only investment service for eligible members. It supports buying and selling whole or fractional U.S. shares, selected ETFs, and ETH and ADA; Xapo Bank Limited provides the transferable-securities and collective-investment service, while crypto-asset services are provided by Xapo VASP Limited.Category: Centralised Borrowing & Lending
Transact
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Description
Transact provides Xapo Bank members with integrated USD and Bitcoin accounts, fiat payment rails, Lightning Network Bitcoin transfers, stablecoin management, recurring Bitcoin purchases, and a debit card for global spending and ATM withdrawals.Category: On/Off Ramp