The internet made information instant, borderless, and nearly free. So why hasn’t money caught up?
At Xapo Bank*, we believe it should – and stablecoins complement Bitcoin in achieving this. Stablecoins are digital currencies pegged to stable assets like the US dollar, and they’re fast becoming the preferred way to send money globally. In fact, they’re already the most popular way to fund Xapo Bank accounts.
To enhance your experience, we've now added another major network for stablecoin deposits, offering you lower costs and greater speed.
A faster, more cost effective way to deposit USDT
We’re excited to announce that you can now deposit USDT via the Tron network directly into your Xapo Bank account.
Tron is one of the most widely used stablecoin networks – in fact, around 70% of all USDT transactions happen on it. Here’s what this means for you:
Low fees With Tron, your stablecoin deposits cost much less.
Near-instant deposit Deposits on Tron confirm in seconds – not minutes.
No change to how deposits work You’ll still receive a unique deposit address. Your stablecoins are automatically converted into USD upon receipt at your Xapo Bank account, earning you a 3.9% annual return* in your USD Savings account with full access whenever you need it.
Frictionless experience in the app Just select the Tron network when depositing and get the same seamless experience you’re used to.
Why this matters
This is about giving you more control over your money.
Wherever you are in the world, rules on moving money and financial instability can be barriers. Stablecoins offer a solution. They make international finance more open, more affordable, and more accessible.
We’re seeing members move from traditional money transfer services to stablecoins, not just for the savings but for the speed and reliability. It’s a faster, simpler way to send money – no middlemen, no borders, no delays.
“We’ve seen real customer behaviour drive this shift. In February, over 41% of our USD inflows came through stablecoins. This isn’t an experiment, it’s an upgrade to how global users move money. Until now, using stablecoins with a bank account required clunky integrations or expensive and slow networks. This launch fixes that.”
Djoeri Timissen, Chief Product Officer, Xapo Bank
Built from member feedback
This upgrade is the direct result of your input. In our recent surveys, 74% of members said they wanted more blockchain network options for stablecoin deposits. Tron was the top request – and we listened.
But we’re not stopping here. We’re already working on enabling USDC deposits via the Solana and Base networks soon – more fast, low-cost options that many of you asked for.
Getting started
Depositing stablecoins on Tron is simple:
Select Tron as your network for USDT in the app
Use your unique deposit address
Send your USDT – they'll be automatically converted to USD at Xapo Bank
Start earning competitive interest with daily payouts
No setup fees, no complicated processes, no unnecessary delays.
Ready to make your next deposit smarter and faster? Get started in the Xapo Bank app.
