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Lightning-fast Bitcoin deposits are here


It would help if you didn't have to choose between security and convenience. At Xapo Bank, we're proving that you can have both. With over ten years leading the way as Bitcoin pioneers, we've mastered the art of blending industry-leading security with easy-to-use features like the Lightning Network, making your Bitcoin safer, faster, and simpler. 

Simplifying Bitcoin with the Lightning Network

Since we started our journey in 2013, we've consistently led the way in innovation, introducing numerous groundbreaking features that redefine how Bitcoin is used, whether you’re sending, spending, or saving. 

And that’s why we're especially proud to be the first bank in the world to give its members access to the Lightning Network, transforming how you send—and with our most recent update—how you receive Bitcoin, making it more practical for everyday use.  

Why does a bank give access to the Lightning Network?

The Lightning Network isn't just about instant transactions with near-zero fees—it symbolises the leap forward in Bitcoin technology. 

Wealth empowerment can be many things, but at Xapo Bank, we focus on its foundations: control, anytime access, and unparalleled freedom and flexibility to transact wherever you are and however you choose. 

By embracing this technology early on, we're supporting its growth and ensuring you benefit from its potential without sacrificing security.

The Fort Knox of Bitcoin

While we love making things convenient, we never compromise on protecting your Bitcoin. With security at the core of what we do, we have spent the last decade creating a new safety standard, earning the title of The Fort Knox of Bitcoin along the way.

But what does that mean for you? Three letters, MPC. Multi-party computation is one of the most secure protection methods available for Bitcoin, and simply put, it is like having a robust digital lock that needs multiple keys to open. Compared to traditional methods, MPC technology is a fortress that eliminates any single point of failure, making it almost impossible for intruders to get to your holdings. 

We apply the same stringent MPC security to all our Bitcoin storage options. So whether you tap into the Lightning Network with the Lightning Network for everyday payments, growing your savings, or HODLing with the BTC Vault, you get the same high level of security. 

Why Xapo Bank can be considered the most secure way to buy, hold, and grow BTC

Rules and regulations

The recent collapse of major platforms like FTX has proven the importance of robust regulation and financial stability. Xapo Bank stands out because we strictly follow all the rules set by trusted regulators. These rules are designed to protect your assets to the highest standard, ensuring your Bitcoin is safe and secure. 

Moreover, given our longevity in the space, Xapo Bank is recognised as a beacon of trust and experience, and we were privileged to be an instrumental guide in assisting authorities in creating a new benchmark of regulations for Virtual Asset Service Providers (VASPs). 

We have also established our own strict controls to complement the rules and parameters set out by trusted regulators. For instance, we hold a large amount of Bitcoin ourselves—about 26,000 BTC—and use it as an extra layer of protection for our customers. This kind of safety net is unmatched in the industry.

Unmatched financial health and stability

Many crypto exchanges meet minimum standards that focus on preventing money laundering, but they don’t necessarily protect your assets in other ways. This is where Xapo Bank goes beyond just covering the basics. 

Our primary measure of financial health, the Core Equity Tier 1 Capital Ratio, is currently 132.8%—way above the minimum requirement of 7%. This means we are more than prepared to handle financial stresses. Our Liquidity Coverage Ratio, which measures our ability to handle cash outflows in stressful situations, is 3,237.5%, significantly higher than the required 100%. This shows that we can easily manage cash demands under pressure.

Additionally, our Net Stable Funding Ratio, a measure to ensure stable funding over the long term, stands at 311.6%, which is well above the required 100%. These figures demonstrate our exceptional ability to manage and protect our customers' assets over the long haul. Plus, Xapo Bank benefits from solid backing from its holding entity, which holds an impressive USD 2.8 billion worth of BTC.

*Capital at risk. This information is not investment advice. Crypto asset values can go up as well as down and you could lose all the money you invest. This is a high‑risk investment and you are not protected if it loses all or some of its value. Past performance is not indicative of future results.


This article is for general information purposes only and is not intended to constitute legal or other professional advice or a recommendation of any kind whatsoever and should not be relied upon or treated as a substitute for specific advice relevant to particular circumstances. We make no warranties, representations or undertakings about any of the content of this article (including, without limitation, as to the quality, accuracy, completeness or fitness for any particular purpose of such content), or any content of any other material referred to or accessed by hyperlinks through this article. We make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up-to-date.

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