A new way to grow your Bitcoin with Xapo Bank

Grow

November 24, 2025

Written by Xapo Bank

A New Way to Grow your Bitcoin - Bitcoins

For years, Bitcoin holders had two choices: hold or trade.

Now, there’s a third: grow.

That’s why we’re introducing a new way to grow your Bitcoin wealth for members who want to see their holdings increase over time. This solution is managed by professionals and fully accessible in the Xapo Bank app.

This new option works alongside your existing BTC Savings, giving you more choice in how you grow your wealth.

A New Way to Grow your Bitcoin - Loans UI

Why members are choosing this new way to grow

Grow your Bitcoin, in Bitcoin

Your balance grows in BTC, not fiat. No conversions, no currency exposure: just more Bitcoin over time.

Expert management, not market timing

Your Bitcoin is handled by experienced financial professionals using a disciplined approach designed for long-term, steady growth – not short-term speculation.

Seamless experience, all in-app

You can start earning, track growth, and withdraw your Bitcoin directly from the Xapo Bank app. No external wallets or complex steps.

No limits, just opportunity

There’s no cap on how much Bitcoin you can put into this solution, giving you full potential for wealth growth.

Security and transparency, always

As you’ve come to expect from us, your Bitcoin remains safeguarded under Xapo Bank’s trusted custody and governance framework.

How it works

Check your eligibility – Complete an in-app assessment to confirm that this opportunity is right for you.
Choose your amount – Decide how much Bitcoin you want to put to work.
Start growing – Your Bitcoin begins working for you from the start of the following month.

Everything happens seamlessly in-app: from initial deposit, to performance tracking, and steady growth of wealth.

Start growing your Bitcoin today Log in to your Xapo Bank app to explore this new opportunity and see how your Bitcoin can do more.

Disclaimer

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.

*In the United Kingdom, this material is restricted and directed only at Professional Clients or Eligible Counterparties. Terms and Conditions apply.

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.

Xapo’s services are exclusively offered from Gibraltar and regulated by the
Gibraltar Financial Services Commission. None of the services referred to
in our Website are available in any jurisdiction where such activity is
prohibited. Persons who are resident outside Gibraltar should consult their
professional advisers or local regulator to satisfy themselves of local
regulatory requirements.

You acknowledge that your arrival to and use of our Website and any of its
related mobile applications and other platforms and any requests for
information are wholly unsolicited and are entirely out of your own
initiative without prior direct communication from us.

*Crypto asset services are provided by Xapo Vasp Limited, a company
regulated by the Gibraltar Financial Services Commission as a ‘Distributed
Ledger Technology Provider’ under Permission No. 26061 and not by Xapo Bank
Limited. Xapo Bank Limited provides services exclusively in respect of fiat
balances. Crypto asset deposits are not covered by the Gibraltar Deposit
Guarantee Scheme.

*References to 'guaranteed', ‘protected’, ‘secure’ and similar terms in
this post in the context of crypto assets relate solely to the technical
and operational security features of Xapo Vasp Limited, and do not imply
any form of deposit protection, guarantee or regulatory safeguard. For
further details on the security features available, please visit:
https://www.xapobank.com/en/blog/banking-your-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. Bitcoin deposits are not covered by the Gibraltar Deposit
Guarantee Scheme.

Xapo Byzantine BTC Credit Fund is referred to in this email as ‘BTC Credit Fund’ or ‘fund’ and is incorporated as an exempted company with limited liability in the Cayman Islands and is regulated as a mutual fund for the purposes of the Mutual Funds Act (Revised) of the Cayman Islands under Ref No. 2135151. The BTC Credit Fund is managed by its investment manager Hilbert Capital Ltd., an exempted company incorporated under the Companies Act (Revised) of the Cayman Islands and is exempt from the licensing requirements of the Securities Investment Business Act (Revised) of the Cayman Islands in respect of its services by virtue of having registered with the Cayman Islands Monetary Authority (CIMA) under that law with Ref No. 1994742.

The fund is only available to investors who meet certain eligibility criteria which may include, among other things, a minimum investment requirement and appropriateness assessment. T&Cs apply.