The amount may vary based on your specific situation. Please check the app for more details or reach out to your Relationship Manager. Subject to eligibility and availability.
The amount may vary based on your specific situation. Please check the app for more details or reach out to your Relationship Manager. Subject to eligibility and availability.
Funds Kept Vaulted
All of your Bitcoin remains locked up and secure in our digital vaults when used as collateral.2 Additionally, your loan is limited to 40% of your Bitcoin's value to provide a strong safety buffer against market volatility.
Super fast and pre-approved with no credit checks needed
Cash arrives in under a minute
Instant Approval
Following a quick eligibility check, you can have cash in your account in under a minute. Upon approval, your funds are ready to send, spend, or swipe.
Super fast and pre-approved with no traditional credit checks
Cash arrives in under a minute
Cash on Demand
As an active member, your Bitcoin holdings and account history pave the way for pre-approved credit, providing instant access to cash whenever you need it.
Integrated BTC and USD accounts offer a complete experience in one app2
Secure the loan with Bitcoin to receive instant USD funding
More Cash Anytime
Instantly top up your existing loan and get more cash when you need it without the hassle of a new application or a second loan.
Additional cash is deposited instantly once the loan is upsized
Your loan adjusts to your life by instantly increasing your limit
Get more cash with no hidden fees or administrative delays
Loan upsizing allows you to instantly borrow more US Dollars using your existing bitcoin-backed loan without applying for a new loan. You can access additional funds instantly, subject to maintaining a healthy loan-to-value ratio ie. max 40% LTV. Simply navigate to your existing loan in the Xapo Bank app, tap 'Upsize', enter your desired additional amount, and confirm. Once confirmed, your extra funds will instantly appear in your USD account.
If you cannot repay the loan on time, your Bitcoin collateral will be sold to cover the loan amount and any accrued interest. Any remaining Bitcoin collateral will be returned to your BTC Vault.
A margin call occurs when the value of your collateral, such as Bitcoin, falls below a certain threshold, prompting the lender to request additional funds or assets to maintain the required Loan-to-Value (LTV) ratio. If you don’t meet the margin call by adding more collateral or repaying part of the loan, Xapo Bank will sell your Bitcoin to cover the outstanding balance.
There is no set schedule for your payments. You can make payments at any time during the loan term. Just ensure you can repay the loan in full by the end of the term. You can repay your loan early at any time during the loan term. Early repayment may reduce the total interest you owe. When repaying, the accrued interest is paid first, followed by the outstanding principal. There are no penalties for early repayment. You can make payments at any time during the loan term. Just ensure that you are able to repay the loan in full by the end of the term.
In order to avoid unnecessary liquidation of your collateral, especially when Bitcoin prices are volatile, follow the below: Maintain a healthy LTV: Regularly monitor and maintain it below the indicated liquidation percentage. Pay on time: Ensure you do not miss the loan due date payment. Respond to margin calls: Promptly respond to any margin calls. Add collateral: Decrease your LTV by adding more Bitcoin as collateral. Partial repayment: Lower your LTV by repaying part of the loan to reduce the outstanding balance.
No, we keep your collateral untouched in the BTC Vault. You will get it back the moment you fully repay your loan.
Loan upsizing allows you to instantly borrow more US Dollars using your existing bitcoin-backed loan without applying for a new loan. You can access additional funds instantly, subject to maintaining a healthy loan-to-value ratio ie. max 40% LTV. Simply navigate to your existing loan in the Xapo Bank app, tap 'Upsize', enter your desired additional amount, and confirm. Once confirmed, your extra funds will instantly appear in your USD account.
There is no set schedule for your payments. You can make payments at any time during the loan term. Just ensure you can repay the loan in full by the end of the term. You can repay your loan early at any time during the loan term. Early repayment may reduce the total interest you owe. When repaying, the accrued interest is paid first, followed by the outstanding principal. There are no penalties for early repayment. You can make payments at any time during the loan term. Just ensure that you are able to repay the loan in full by the end of the term.
If you cannot repay the loan on time, your Bitcoin collateral will be sold to cover the loan amount and any accrued interest. Any remaining Bitcoin collateral will be returned to your BTC Vault.
In order to avoid unnecessary liquidation of your collateral, especially when Bitcoin prices are volatile, follow the below: Maintain a healthy LTV: Regularly monitor and maintain it below the indicated liquidation percentage. Pay on time: Ensure you do not miss the loan due date payment. Respond to margin calls: Promptly respond to any margin calls. Add collateral: Decrease your LTV by adding more Bitcoin as collateral. Partial repayment: Lower your LTV by repaying part of the loan to reduce the outstanding balance.
A margin call occurs when the value of your collateral, such as Bitcoin, falls below a certain threshold, prompting the lender to request additional funds or assets to maintain the required Loan-to-Value (LTV) ratio. If you don’t meet the margin call by adding more collateral or repaying part of the loan, Xapo Bank will sell your Bitcoin to cover the outstanding balance.
No, we keep your collateral untouched in the BTC Vault. You will get it back the moment you fully repay your loan.
Real support, Whenever you need it
From exploring the BTC Fund to managing your savings, our team is ready to help — 24/7, right from your app.
Dedicated relationship manager — Personalised support from your relationship manager.
24/7 assistance — Get help anytime through in-app chat or email.
Bitcoin expertise — Guidance from specialists who understand both banking and crypto.
Smart Borrowing, Real Experience
