One Mission: Protect and Grow  our Members’ Wealth

We exist to solve the greatest challenge in the Bitcoin economy: how to protect what you’ve built while ensuring it continues to flourish. Our commitment is to provide a fortress for your wealth where security is a given and growth is a priority.^{1, 2}

Get Started

The Beginning
2013
An Early Foundation of Trust for Bitcoin
Born from founder Wences Casares’ experience with hyperinflation in Argentina, Xapo was founded to protect life savings in Bitcoin. We became world-renowned for our high-security physical Bitcoin Bunkers and unparalleled digital asset custody.¹

Rapid Growth
2014 – 2015
The first 1M Users
Following $40M in Series A and A1 funding, we launched our Institutional Business and secured Swiss registration (FINMA approved). By the end of 2015, we reached 1 million registered users, proving the global demand for secure digital asset management.

Xapo Bank Debit Card
2016 – 2017
Making Bitcoin More Like Money
We crossed the $1 billion mark in customer funds and expanded our regulatory footprint by obtaining an E-money license and becoming a member of the VQF (Switzerland). This period also saw the launch of the Xapo Debit Card, bridging the gap between deep custody and daily spending.

Banking Services
2018 – 2019
A Strategic Pivot
After obtaining the prestigious NYDFS Bitlicense, we shifted our focus to retail banking, integrating with Worldpay, CurrencyCloud, and ClearBank to bridge the gap between crypto and traditional fiat. We sold our Institutional Business to Coinbase and became a founding partner of Facebook’s Libra project, positioning ourselves at the centre of the next financial revolution.

The Banking Revolution
2020 – 2022
Xapo Bank is Born
In 2020, we become Principal Members of Mastercard and Visa. Then, in 2021, Xapo Bank was officially born. Regulated by the Gibraltar Financial Services Commission (GFSC), we introduced a new era of banking built specifically for Bitcoin. By 2022, we added more banking features, and completed a digital rebranding.

An Established Bank for Bitcoin
2023 – 2025
A New Era of Bitcoin Banking
In 2023, we became the first bank to offer a bank account that offers traditional fiat payment rails (SEPA, FPS, SWIFT etc) alongside stablecoin rails (USDC/USDT) and BTC rails.²
Bridging to the UK
In 2024, we achieved a historic milestone by passporting our banking license into the United Kingdom, offering interest-bearing accounts for both Bitcoin and fiat in the UK.²

2026
Today
Protect and Grow our Members’ Wealth.
We have evolved from a secure vault into a premier, regulated bank for Bitcoin holders. Our mission, today, is to ensure that your life savings are not just shielded from devaluation but are actively working for you in an increasingly volatile global economy.²

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Our core goals

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Productive Wealth Without Sacrifice

Your Bitcoin is a productive engine of wealth. We empower you to fund your lifestyle today while leaving your principal untouched with a sophisticated infrastructure to generate sustainable, low-risk returns. The gap you faced between passive Bitcoin holding and active generation is closing with Xapo Bank.^{2, 3}

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Security Beyond Custody

While DIY Bitcoin custody served the early days, traditional self-custody adds anxiety when your Bitcoin is a multi-generational legacy. Your wealth should demand a regulated partner with rigorous audits, and human accountability. We provide the high-touch service of a private bank with the "don't trust, verify" security synonymous with the Bitcoin ecosytem. ²

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Principal Protection

Your Bitcoin is a once-in-a-generation nest egg, and you should never be forced to sell it to fund your life. We understand Bitcoin’s value as a tier-1 asset and provide the institutional rails to access USD liquidity and global opportunities without ever diluting your position.

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Your Wealth Taken Seriously

You deserve a partner who speaks the language of Bitcoin but operates with the sophistication of a global powerhouse. You want your Bitcoin to be your powerhouse asset and we provide the infrastructure to transform it into a comprehensive financial estate.

Meet our team of Bitcoin and banking experts

Our board and investors have decades of experience across the global financial industry, with diverse specialities including Bitcoin security, international finance, law, and traditional banking.

Director & CEO

Seamus is an experienced leader of international and complex organisations. Prior to joining Xapo Bank in 2017, his roles included Group Head of Liquidity and Funding Risk at Standard Chartered Bank, Chief Financial Officer of Equity Trading at Macquarie Group, Finance VP of Latin America Emerging Markets at Credit Suisse, and Senior Audit Manager at Arthur Andersen. He has an MBA from the Saïd Business School at the University of Oxford.

Director & Chief Strategy, Policy and Regulatory Affairs Officer

Joey is considered one of the pioneers of regulation in the virtual currency and distributed ledger technology space. His previous roles include Consultant and Partner at ISOLAS LLP, Consultant at the United Nations, Non-Executive Director at IOV Labs, Advisor at Fiduciary Management Limited, and Chairman of the Gibraltar Funds & Investments Association. He is a Founding Member of thinkBLOCKtank and has a PGDL and BVC degree in Law from BPP Law School, and a BA from the University of Bristol.

Independent Non-Executive Director

Johann Olivera is a Partner at EY Gibraltar and licensed Insolvency Practitioner with over 26 years of experience in financial services. He leads EY’s audit quality and risk management in Gibraltar and has helped shape the territory’s regulatory frameworks for investments and cryptocurrency. His portfolio includes banks, fund managers, and multinational groups across Europe and the Caribbean. Johann serves on Gibraltar’s statutory audit committees and advises DLT firms on compliance and valuation. A Fellow of the Institute of Chartered Accountants in England and Wales (ICAEW), Johann holds a degree in accountancy from Exeter University.

Independent Non-Executive Director

Anju is a VC investor and former banking executive at Citibank and Standard Chartered Bank. Her board experience includes Gulf International Bank, Upgrade Inc., Curve Inc., PIF, and Stanford University's Distinguished Careers Institute. She is a member of the FinTech guest faculty at Stanford GSB and the WEF Fintech Steering Committee. She has received numerous global industry awards, is an alumna of IIT Delhi and IIM Bangalore, and is a Fulbright Fellow and Visiting Scholar at Stanford.

Independent Non-Executive Director

Melo is a Partner at ISOLAS LLP and leads the firm’s Financial Services and Private Client teams. A recognised authority in banking and finance, he advises the Gibraltar Financial Services Commission and guides clients on collective investment schemes, funds, banks, and insurers. A former Commission member and past chairman of the Bar, Melo is also an international leader in private client law, specialising in trusts, wealth, tax, and estate planning. Legal 500 lists him in its Hall of Fame, describing him as “exceptional” and “mature, calm, and experienced.

Director & Chef Financial Officer

Matthew is a seasoned financial leader, with extensive experience in international financial services and risk management. Prior to joining Xapo in 2024, Matthew held a series of executive leadership positions including Director of Product Control for the Asia-Pacific region at Barclays, before moving on to Treasury Director - a position he held for 6 years from 2014 until 2020. Matthew’s background also includes holding various senior roles at UBS, the Swiss multinational investment bank, and serving as Chief Financial Officer and Chief Investment Officer at Vault Digital Funds in New Zealand.

Independent Non-Executive Director

Alex Capurro is an accomplished CEO and technology innovator with over two decades in fintech and software. As CEO of TTMS, he’s driving a digital transformation across Gibraltar’s financial sector, spearheading AI and automation initiatives that streamline compliance and enhance client services. Previously Chief Innovation Officer at Comercia Global Payments, Alex led pioneering AI projects, building advanced chatbots and no-code POCs using an advanced array of technologies. A published sci-fi author and indie game developer, he thrives at the intersection of creativity and tech. Known for strategic foresight and mentoring talent, Alex is passionate about shaping future-ready organisations.

Our board and investors have decades of experience across the global financial industry, with diverse specialities including Bitcoin security, international finance, law, and traditional banking.