As we step into 2026, we are carrying forward a clear shift in the digital asset landscape that we discovered in 2025. Much of our membership comprises Gen X and Millennials, investors who have lived through enough market cycles to distinguish between a fad and a foundation.
This maturity of members impacts our trajectory for the year ahead. Building on 2025’s focus, we are doubling down on the products that empower members’ assets to work for them, taking further action to cement Bitcoin as a serious asset worth paying attention to on every level.
Bitcoin loans and compound growth
Last year, Xapo Bank loans became a cornerstone for our members. The numbers tell the story: 52% of members held loans for a full year or more. This indicates that our members are focused on long-term life plans rather than short-term trades. Throughout this growth, we have maintained our strict zero rehypothecation policy. Our members’ Bitcoin stays theirs; we do not lend it, gamble with it, or move it.
We also launched the Xapo Bank Bitcoin Credit Fund. We designed this fund to sit at the core of our savings suite, giving members distinct, secure options to grow their portfolio. It represents our belief that holding Bitcoin should be dynamic, allowing members to accumulate more while maintaining the safety standards expected from Xapo Bank.
Policy and advocacy in London and the U.S.
Xapo Bank spent 2025 championing policies. Our Executive Director, Chief Digital Asset & Legal Officer, Joey Garcia, conducted private briefing sessions for members of the UK Parliament and high-level discussions with American officials.
This included a visit to the White House for constructive discussions with Patrick Witt, Executive Director of the President's Council of Advisors for Digital Assets. We also met with senior officials at the U.S. Securities and Exchange Commission (SEC) to share inputs on global regulatory developments.
At the invitation-only Wyoming Blockchain Symposium, Joey Garcia spoke on the mainstage about Bitcoin, banking, and the future of financial infrastructure, as well as engaged with Senator Cynthia Lummis and team. The Symposium attracts the likes of Jerome Powell (Chair of the Federal Reserve) and Paul S. Atkins (Chairman of the SEC).
Our objective remains clear: to ensure the voice of the serious Bitcoin holder is heard. By sharing our 12 years of experience, we helped shape a "Gold Standard" where stablecoins are backed 1:1, and assets are protected by law, not just by a company’s promise.
Aston Villa partnership
On 6 December, before the Arsenal match, Captain John McGinn unveiled a first-of-its-kind collaboration: official dugout headrests embroidered with the personal convictions of our members and Villa supporters. By stitching these quotes into the fabric of the stadium, we created a tangible reminder that anything worth building takes patience. When the players take their seats, they are now literally backed by the supporters who understand the discipline of the "long game."
This initiative was the centrepiece of a partnership built on a shared value: Belief. Beyond the dugout, we saw significant engagement from the global community, with fans participating in our "Spot the Ball" campaign for a chance to win signed merchandise.
2025 industry engagement
We provided an authoritative perspective at the industry’s most significant gatherings this year:
Zebu Live (London): We hosted industry decision-makers in the Xapo Bank VIP Lounge. Executive Director, Chief Digital Asset & Legal Officer, Joey Garcia led a fireside chat on governance and liability, addressing exactly who is responsible for wealth and how it is controlled.
Money 20/20 Europe (Amsterdam): We joined the discussion on the essential balance between innovation and consumer protection, ensuring member safety remains the priority as technology evolves.
Bitcoin Prague: In sessions, Product Manager Piotr Bedkowski detailed the transition from traditional finance to the Bitcoin standard, focusing on the practicalities of custody and acquisition.
Digital Assets Conference (DAC) by Fasanara (London): CEO Seamus Rocca joined the main stage to discuss mapping the crypto cycle and 2026 opportunities. Meanwhile, Global Head of Relationship Management Thomas Doyle moderated a panel on "Bitcoin on the Books," focusing on treasury allocation strategies. As crypto moves mainstream, we remain focused on the safety and utility required for institutional-grade access.
The Pomp Podcast: Seamus Rocca joined Anthony Pompliano to discuss the institutionalisation of Bitcoin and why treating it as a primary asset is the only way to build for the next century. Tune in for the full conversation.
Community investment in Gibraltar
In 2025, we focused our local support in Gibraltar, with initiatives that mirror the discipline of the "long game"—investing in the mentorship, tools, and grit required for the next generation to succeed.
National and international sport: We were a lead co-sponsor for the Netball Youth World Cup 2025 and provided training equipment and referee kits for the Gibraltar Rugby Football Union. We also sponsored a player for the U-17 Netball tournament in Belfast and supported a local youth basketball team in the Cadiz Competition.
Youth development: We sponsored six young rowers across three categories at the British Rowing Junior Championships in Norwich. Locally, we continue to sponsor the Xapo Bank Youth Netball team in the Gibraltar youth league.
Education and mentorship: We serve as a bridge to the digital economy by sponsoring the local Digital Academy and the University of Gibraltar’s summer internship programme. We also participated in the Prior Park work experience scheme, providing local students with a direct look at regulated Bitcoin banking.
Local philanthropy: We hosted the Rotary Club of Gibraltar’s annual Youth Grants presentation and supported local community events, including the sponsorship of the Charity Golf tournament.
A final note
A bank is only as good as the people who run it. We are honoured that Forbes named Xapo Bank as one of the top work-from-anywhere companies this year. By building a global, borderless team, we ensure we are as resilient and distributed as the Bitcoin we protect.
