With Xapo Bank you enjoy the upside of your wealth without the anxiety of protecting it. Our multiple layers of security protect your money agains hacks, theft, and even loss of access. From physical bunkers to best-in-class digital cryptography, we ensure your Bitcoin remains exactly where you left it.1,2
You prepare for growth, we’ll plan for safety
No Single Point of Failure
Escape the single points of failure in traditional cold storage. Instead, secure your assets in military-grade bunkers, governed by a policy-driven protocol, ensuring no single entity can ever access or move your funds alone.
The Better Alternative to Cold Storage
For ultimate peace of mind, you need more than a hardware wallet. You need the Fort Knox of Bitcoin. We built our security on a philosophy of zero compromise, creating a new standard in asset protection.
Military-Grade Physical Vaults
Multiple Underground Bunkers
Wallets Kept Offline in Faraday Cages
Armed Guards & Biometric Security
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A Military-Grade Defence for Personal Wealth
Benefit from an institutional-grade security architecture, not often available to individual Bitcoin holders.
MPC-CMP technology to remove a single point of failure
Geographically Distributed Shards
Sophisticated Encryption & Key Management
In-App Digital Bitcoin Vault
Zero Trust Architecture
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Absolute Control Over Your Wealth
Retain absolute authority over your wealth. We ensure any vault withdrawals requires your explicit action. No one else can move your money—not hackers, and not us.
Advanced Authentication Controls with Biometrics and Hardware Security Keys
48-Hour Security Buffer on Vault Withdrawals
Segregated Savings and Spending Wallets
Set up an anti-phishing email code
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Capital Ratio167%
EstablishedIn 2013
Liquidity Ratio1663%
Capital Ratio167%
EstablishedIn 2013
Liquidity Ratio1663%
Capital Ratio167%
EstablishedIn 2013
Liquidity Ratio1663%
Capital Ratio167%
EstablishedIn 2013
Liquidity Ratio1663%
FAQs
See all FAQs
At Xapo, we employ a world-class security architecture for your digital assets, integrating advanced technology with formidable physical protection. Our digital defenses are powered by Multi-Party Computation (MPC), an innovative technology that eliminates any single point of failure by securely splitting and distributing cryptographic keys. This digital strength is further reinforced by our unparalleled physical security, which includes a global network of secret, bomb-proof bunkers. These ultra-secure facilities are kept offline and protected by rigorous operational protocols, armed guards, and advanced surveillance.
Savings offers a secure alternative to the traditional USD & BTC Wallet, providing a "bunker-like" experience for you to store and earn a return on your savings with peace of mind. Savings is not directly connected to debit card transactions or external financial transfers You must first transfer funds to the USD or BTC Wallet before they can be spent via debit card transactions or be transferred out. This means that if your card is stolen or compromised and payment attempts are made, all funds in your Savings will be protected from being spent. A PIN/biometric validation is required when transferring funds out of Savings Only you should be able to decide when your funds in Savings are transferred out.
No, unlike fiat deposits, BTC funds held in the Vault are not insured. Eligible fiat deposits are protected by the Gibraltar Deposit Guarantee Scheme up to a maximum of the US Dollar equivalent of GBP 120,000.
If you receive a message claiming to be from us without your Anti-Phishing Email Code, do not respond or click on any links. This could be a phishing attempt. We recommend reporting this to our customer support team immediately via in-app chat or [email protected]. We will either confirm that the message is legitimate and update the message to include the code in the future, or acknowledge that the message is not from us.
MPC wallets are now considered the state of the art for custodians of crypto assets. With MPC wallets, a private key is split (sharded) into a number of shares held in different physical locations and the full key is never materialised. This eliminates the single point of failure risk associated with storing private keys, as well as the risk of human error, with the added benefit of reducing the time it takes to produce a valid transaction to a few seconds.
Yes, all Ledger devices (Nano X, Nano S Plus, Stax, and Flex) are supported for securing your BTC Vault withdrawals. Below are step-by-step instructions based on your platform and device type.
No, you cannot earn interest on the Bitcoin in your Vault. The BTC Vault is designed with a primary focus on security, providing an added layer of protection for your funds. To maintain this high level of security and keep deposits separate and untouched, Xapo does not offer interest on funds held in the BTC Vault.
At Xapo, we employ a world-class security architecture for your digital assets, integrating advanced technology with formidable physical protection. Our digital defenses are powered by Multi-Party Computation (MPC), an innovative technology that eliminates any single point of failure by securely splitting and distributing cryptographic keys. This digital strength is further reinforced by our unparalleled physical security, which includes a global network of secret, bomb-proof bunkers. These ultra-secure facilities are kept offline and protected by rigorous operational protocols, armed guards, and advanced surveillance.
MPC wallets are now considered the state of the art for custodians of crypto assets. With MPC wallets, a private key is split (sharded) into a number of shares held in different physical locations and the full key is never materialised. This eliminates the single point of failure risk associated with storing private keys, as well as the risk of human error, with the added benefit of reducing the time it takes to produce a valid transaction to a few seconds.
Savings offers a secure alternative to the traditional USD & BTC Wallet, providing a "bunker-like" experience for you to store and earn a return on your savings with peace of mind. Savings is not directly connected to debit card transactions or external financial transfers You must first transfer funds to the USD or BTC Wallet before they can be spent via debit card transactions or be transferred out. This means that if your card is stolen or compromised and payment attempts are made, all funds in your Savings will be protected from being spent. A PIN/biometric validation is required when transferring funds out of Savings Only you should be able to decide when your funds in Savings are transferred out.
Yes, all Ledger devices (Nano X, Nano S Plus, Stax, and Flex) are supported for securing your BTC Vault withdrawals. Below are step-by-step instructions based on your platform and device type.
No, unlike fiat deposits, BTC funds held in the Vault are not insured. Eligible fiat deposits are protected by the Gibraltar Deposit Guarantee Scheme up to a maximum of the US Dollar equivalent of GBP 120,000.
No, you cannot earn interest on the Bitcoin in your Vault. The BTC Vault is designed with a primary focus on security, providing an added layer of protection for your funds. To maintain this high level of security and keep deposits separate and untouched, Xapo does not offer interest on funds held in the BTC Vault.
If you receive a message claiming to be from us without your Anti-Phishing Email Code, do not respond or click on any links. This could be a phishing attempt. We recommend reporting this to our customer support team immediately via in-app chat or [email protected]. We will either confirm that the message is legitimate and update the message to include the code in the future, or acknowledge that the message is not from us.
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.
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