We bring bank-grade discipline to the world of Bitcoin. With advanced BTC security and operating within rigorous regulatory frameworks, your wealth is protected to the highest financial standards. We are a stable, regulated institution built to keep your Bitcoin productive forever.1, 2
The Standard of Global Accountability
Your assets are verified by the best. We partner with a Big 4 firm to conduct audits of our financial statements, providing independent proof that your assets are secure, active, and held to the highest international standards.
Big 4 Audited: Annual, comprehensive financial statement audits of our entire balance sheet.
Short-Term Maturities: Ensuring high liquidity so funds are never locked away for long periods.
Predictable Growth: Sustainable interest rates from Money Market funds, High Quality Corporate Bonds , Corporate Bonds Funds and U.S Treasury Investment
Segregated & Unleveraged Assets
We treat Bitcoin as a reserve asset, not working capital. Every satoshi you hold with us is kept in a 1:1 reserve, segregated from our own funds.
One-to-One Ratio: All members' Bitcoin is held at a 1:1 ratio.
Asset Segregation: Your wealth is legally and operationally ring-fenced from our own funds.
Regulatory Oversight: Our reserves and practices are held to the highest regulatory standards.
Institutional-Grade Capitalisation
We maintain an ultra-conservative balance sheet with a capital position far exceeding international requirements. This substantial equity buffer acts as a financial shield, ensuring your wealth remains protected even during the most extreme market shocks. We prioritise your longevity over aggressive growth
Institutional-Grade Capitalization
We maintain an ultra-conservative balance sheet with a capital position far exceeding international requirements. This substantial equity buffer acts as a financial shield, ensuring your wealth remains protected even during the most extreme market shocks. We prioritise your longevity over aggressive growth.
Established
2013
Capital Ratio
167%
Liquidity Ratio
1663%
Your Money Guarded by Global Banking Standards
Your money is secured under the same strict consumer protection laws as global tier-1 banks. Regulated by the GFSC, we provide a clear legal framework that ensures your wealth, and your peace of mind, are always protected.2
Deposit Guarantee Scheme: Fiat deposits are protected up to the equivalent of GBP 120,000.
VASP Licensed: Fully compliant with the highest global standards for digital asset custody.
Global Compliance: Adherence to strict AML (Anti-Money Laundering) and KYC (Know Your Customer) protocols.
Consumer Protection: Legal accountability under international banking law to ensure the safe return of fiat funds.
An Open Door Policy: Our Headquarters are open for you to visit whenever you want. If you’re in Gibraltar, stop in and visit us face-to-face.
Features & Accolades
Institutional Stability for Your Money
We believe your wealth is too important to risk on unproven schemes. We choose the path of stability over high risk, ensuring your assets remain safe, active, and viable.
Triple-A Rated Assets: Investments limited to the highest credit ratings in existence.
Short-Term Maturities: Ensuring high liquidity so funds are never locked away for long periods.
Predictable Growth: Sustainable interest rates from Money Market funds, High Quality Corporate Bonds , Corporate Bonds Funds and U.S Treasury Investment
FAQs
See all FAQs
We treat Bitcoin as a reserve asset, not working capital. Every satoshi you hold with us is kept in a 1:1 reserve, completely segregated from our own funds. We never rehypothecate or use your assets for our own trades. This "zero lending risk" model removes fractional reserve risks and gives you the certainty that your assets are always active, available, and entirely under your control.
For your Fiat Deposits (USD): Our high Core Equity Tier 1 Capital Ratio and Liquidity Coverage Ratio (LCR) act as a substantial financial shield. This ensures we can withstand even the most extreme market shocks, prioritising the longevity and protection of your wealth over aggressive growth. For your Crypto Assets (Bitcoin): Your Bitcoin is held by Xapo VASP Limited, which is regulated by the GFSC as a Virtual Asset Service Provider (VASP). As a regulated VASP, we are legally required to segregate our members’ Bitcoin from our own corporate assets. This ensures that your Bitcoin is always accounted for, protected, and is not exposed to the risks of our business operations.
As a regulated institution, we are fully compliant with the highest global standards for financial security. This includes strict adherence to Anti-Money Laundering (AML) and Know Your Customer (KYC) protocols to prevent illicit activity and ensure a secure financial environment for all our members.
Your money at Xapo Bank is secured under the same strict consumer protection laws that govern tier-1 banks. As a regulated institution, we are held to the highest standards under Gibraltar banking regulations, which provides a robust framework to ensure that your interests as a consumer are protected.
Xapo Bank is regulated by the Gibraltar Financial Services Commission (GFSC). This means your fiat wealth is secured to the highest standards under Gibraltar banking regulations. Additionally, as a regulated Virtual Asset Service Provider (VASP), we are legally required to segregate our members' Bitcoin from our own corporate assets. This means that your Bitcoin is held entirely separately, ensuring it is protected and accounted for under a clear legal framework. Our regulated status requires us to adhere to the highest standards for both banking and digital asset custody.
Your digital assets are both legally and operationally ring-fenced from our own corporate funds. This means your assets are held in a completely segregated environment and are not part of our balance sheet. In the unlikely event of any financial issues for Xapo Bank, your segregated digital assets are not at risk.
We believe in radical transparency. We publish regular transparency reports disclosing our bank capital and liquidity positions. Furthermore, we maintain an "Open Door Policy" at our Gibraltar headquarters. If you are ever in Gibraltar, you are welcome to visit us face-to-face and meet our team.
We treat Bitcoin as a reserve asset, not working capital. Every satoshi you hold with us is kept in a 1:1 reserve, completely segregated from our own funds. We never rehypothecate or use your assets for our own trades. This "zero lending risk" model removes fractional reserve risks and gives you the certainty that your assets are always active, available, and entirely under your control.
Xapo Bank is regulated by the Gibraltar Financial Services Commission (GFSC). This means your fiat wealth is secured to the highest standards under Gibraltar banking regulations. Additionally, as a regulated Virtual Asset Service Provider (VASP), we are legally required to segregate our members' Bitcoin from our own corporate assets. This means that your Bitcoin is held entirely separately, ensuring it is protected and accounted for under a clear legal framework. Our regulated status requires us to adhere to the highest standards for both banking and digital asset custody.
For your Fiat Deposits (USD): Our high Core Equity Tier 1 Capital Ratio and Liquidity Coverage Ratio (LCR) act as a substantial financial shield. This ensures we can withstand even the most extreme market shocks, prioritising the longevity and protection of your wealth over aggressive growth. For your Crypto Assets (Bitcoin): Your Bitcoin is held by Xapo VASP Limited, which is regulated by the GFSC as a Virtual Asset Service Provider (VASP). As a regulated VASP, we are legally required to segregate our members’ Bitcoin from our own corporate assets. This ensures that your Bitcoin is always accounted for, protected, and is not exposed to the risks of our business operations.
Your digital assets are both legally and operationally ring-fenced from our own corporate funds. This means your assets are held in a completely segregated environment and are not part of our balance sheet. In the unlikely event of any financial issues for Xapo Bank, your segregated digital assets are not at risk.
As a regulated institution, we are fully compliant with the highest global standards for financial security. This includes strict adherence to Anti-Money Laundering (AML) and Know Your Customer (KYC) protocols to prevent illicit activity and ensure a secure financial environment for all our members.
We believe in radical transparency. We publish regular transparency reports disclosing our bank capital and liquidity positions. Furthermore, we maintain an "Open Door Policy" at our Gibraltar headquarters. If you are ever in Gibraltar, you are welcome to visit us face-to-face and meet our team.
Your money at Xapo Bank is secured under the same strict consumer protection laws that govern tier-1 banks. As a regulated institution, we are held to the highest standards under Gibraltar banking regulations, which provides a robust framework to ensure that your interests as a consumer are protected.
