A smarter way to to super power your Bitcoin, with Xapo Bank

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November 29, 2025

Written by Xapo Bank

invest-your-bitcoin-xapo-bank

A smarter way to to super power your Bitcoin, with Xapo Bank

You’ve stacked your Bitcoin. You’re holding for the long haul. But what if your BTC could do more while you wait?

Most Bitcoin holders leave their wealth sitting still. But we want to supercharge it for you.

At Xapo Bank, we’ve introduced yet another way for you to earn more Bitcoin – a carefully managed growth option that sits alongside our existing earnings products, all accessible directly from your app. It's passive, professionally managed, and built with reliable wealth accumulation in mind. No trading. No chasing yield. Just your Bitcoin, working as hard as you do.

Why let it sit when you can invest?

Here’s what you get when your BTC starts working:

Up to 4% APY, in Bitcoin* – Your returns are in BTC. No fiat detours.
No cap on your deposit – Whether it's 1.5 or 15 BTC, there’s no limit on how much Bitcoin you can put in.
Institutional-grade strategy – Built on lending to high-quality, vetted financial institutions for steady and reliable growth.
No stress – The fund is actively managed for you, so you don’t need to make daily decisions. Just tap and go.
Fully transparent performance – See your BTC-denominated returns within the app.

We keep you in control. Redeem your BTC at the end of each month by providing at least 30 days’ notice – no strings, no exit fees.

What makes this different?

We built this for long-term Bitcoin holders who believe in BTC and want to grow in BTC. Unlike other platforms, you’re not earning in fiat, stablecoins, or tokens you never asked for. You’re simply earning more Bitcoin over time.

And while other platforms offer flashy APYs, this fund prioritises reliability and long-term/growth. This approach has zero leverage, no speculative bets, and no exposure to volatile trading activity. Just structured, short-term lending to carefully vetted institutional borrowers.

How to get started

It’s all in your Xapo Bank app:

Go to the Wealth tab
Tap into the BTC Credit Fund
Pass the eligibility requirements
Allocate the amount of BTC you want to grow
Sign your subscription digitally
Watch your investment performance – directly from the app

No caps. Low fees. No unnecessary complexity.

Make your Bitcoin do more

You’ve done the hard part: earning and holding your Bitcoin. Now it’s time to let it work for you.

CTA: Start investing your BTC directly in the Xapo Bank

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’ 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.

2–4% APY is a targeted return and represents a forward-looking projection,
not a guarantee. Actual returns may be higher or lower and can vary over
time. This product is an investment, not a savings account or deposit.
Capital at risk. Crypto asset values and investments in the BTC Credit Fund
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
information is not investment advice.Bitcoin deposits are not covered by
the Gibraltar Deposit Guarantee Scheme. For more information on risks,
please see our Risk Disclosure.

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.