Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more.
Every dollar sitting still in an interest-generating account is lent to someone. On an exchange, your funds could be lent out to high-risk DeFi protocols or used as collateral for speculative trading desks with no guarantees on the safety of your assets. At Xapo Bank, however, your USD Savings balance is held primarily in short-term US Treasuries. No high-risk lending, no speculative trading, no trading desk's risk book. And it currently pays 3.35% annual interest, in Bitcoin, every day, with USD balances legally protected up to the dollar equivalent of £120,000.
Xapo Bank holds your USD savings in high-quality liquid assets
High-quality liquid assets such as Treasuries and money market funds are the instruments central banks and pension funds use to park money they cannot afford to gamble with. In Xapo’s case, the account holding them is a Gibraltar-regulated bank account whose financial statements are independently audited annually by KPMG. Plus USD balances are protected by the Gibraltar Deposit Guarantee Scheme up to the US Dollar equivalent of £120,000 per member. This structure offers true assurance that your funds remain yours while held with Xapo.
How the 3.35% interest rate works. And why it's paid in Bitcoin.
Xapo pays interest in Bitcoin itself, directly into your balance, at a current variable annual rate of 3.35%. It's calculated and paid daily, and there's no lock-in: no term to break, and no penalty for moving the cash out tomorrow.
With yield generated by low-risk, high quality vehicles, returns are sustainable and built for the long-term. Daily payouts in BTC ensure that you can keep stacking sats while your dollars remain safe and ready to deploy back into the market.
From USDC, USDT, GBP, or EUR to earning USD
GBP and EUR deposits convert automatically into your USD balance, so money waiting for the next opportunity starts earning the moment it lands. The same goes for stablecoins: send in USDC (Ethereum or Solana) or USDT (Ethereum or Tron) and it's automatically converted and credited to your USD balance. This design makes moving your stablecoins between an exchange or on-chain wallet and Xapo’s secure USD accounts as seamless as possible, ensuring your capital is ready to earn from the moment it lands.
How Xapo Bank's USD Savings compares to holding stablecoins or cash on an exchange
On an exchange, cash and stablecoins are IOU’s without any guarantee of withdrawals being honoured. The yield, where there is one, is typically generated by lending your deposit out through opaque, high-risk on-chain vehicles, paid back in the same asset you deposited, with no deposit protection standing behind any of it. Withdrawals happen on the venue's schedule, not yours. The serial collapses of exchanges and CeFi platforms underline the importance of shielding your wealth in secure, regulated accounts that operate with an unerring, legally-mandated commitment to protecting user assets.
Your cash is working for someone. Make sure it’s working for you.
At Xapo Bank, your USD sits primarily in short-term US Treasuries, inside a Gibraltar-regulated bank account, whose financial statements are audited annually by KPMG, with balances protected up to the USD equivalent of £120,000 per member. Whether it arrived as dollars, euros, pounds, or stablecoins, it starts earning the moment it lands in your USD Savings account: currently 3.35% annual interest, paid daily in Bitcoin, with no lock-ins. And unlike an exchange balance, it moves on your schedule. The cash is yours the moment you want it somewhere else. As it should be.
