We’ve been securing Bitcoin since 2013.

As one of the first Bitcoin custodians, we have over a decade of unparalleled Bitcoin expertise.

Securing Bitcoin since 2013

2013

The original Bitcoin bunker

Xapo was first founded in 2013 to offer early Bitcoiners the world’s most secure Bitcoin storage. Known for our best-in-class cold storage product featuring a distributed network of physical bunkers secured by our cutting-edge decentralised key technology, over a million people have trusted us with protecting their Bitcoin holdings for more than a decade.

2021

Building the bank of the future

In 2021, we expanded our services, founding Xapo Bank. Building on our security foundations, we wanted to enable our members to more easily access and grow their wealth. We developed the app you know today: a highly intuitive and responsive digital platform that brings together the regulatory protections and earning potential of traditional banks with the global financial freedom and privacy of the blockchain.

Meet our team of Bitcoin and banking experts

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

Our directors
Seamus Rocca
Seamus Rocca
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.

Learn more
Joey Garcia
Joey Garcia
Director and Chief Legal & Regulatory 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.

Learn more
Timothy Sloan
Timothy Sloan
Independent Non-Executive Director

Tim’s extensive experience includes his roles as Vice Chairman of Fortress, and Chief Executive Officer and President of Wells Fargo & Company. During his 32 years at Wells Fargo, he held C-suite positions of COO, CFO, CAO, and Head of Wholesale Banking. He began his banking career at Continental Illinois Bank in Chicago. He sits on the boards of the Ross School of Business, The Irvine Company, and The California Institute of Technology. He has a BA and MBA from the University of Michigan.

Learn more
Anju Patwardhan
Anju Patwardhan
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.

Learn more
Melo profile pic
Joseph E. Triay (Melo)
Independent Non-Executive Director

Melo is a Partner at ISOLAS LLP and leads the Financial Services and Private Client teams. An authority in banking and finance, he advises the Gibraltar Financial Services Commission and guides clients on funds, banks, insurers, and investments. A former Commission member and chairman of the Bar, he is a global leader in private client law, specializing in trusts, wealth, tax, and estate planning. Legal 500 lists him in its Hall of Fame.

Learn more
Alex-Capurro
Alex Capurro
Independent Non-Executive Director

Alex Capurro, CEO of TTMS, is a fintech innovator with 20+ years of experience in software. He drives digital transformation in Gibraltar’s financial sector, leading AI and automation to streamline compliance and services. Formerly Chief Innovation Officer at Comercia Global Payments, he pioneered AI projects and no-code POCs. A sci-fi author and indie game developer, he thrives at the intersection of creativity, tech and future-ready leadership.

Learn more
mission_head_desktop_optimized

Learn about
our mission

Visit

The Xapo
Insider

Catch up on the latest crypto news, and get the inside scoop on our products and services.

Explore The Xapo Insider
{{The Gibraltar approach}}: a model for progressive Bitcoin regulation
Cryptocurrency
Article - Sep 04, 2025

The Gibraltar approach: a model for progressive Bitcoin regulation

Read Article
{{Xapo Talks}}: Stablecoins, global payments, and our partnership with BVNK
Stablecoins
Article - Sep 02, 2025

Xapo Talks: Stablecoins, global payments, and our partnership with BVNK

Read Article
How Xapo Bank is preparing for quantum computing risks
Security
Article - Aug 28, 2025

How Xapo Bank is preparing for quantum computing risks

Read Article
Institutional adoption of Bitcoin: Market impact and future outlook
Bitcoin
Article - Aug 25, 2025

Institutional adoption of Bitcoin: Market impact and future outlook

Read Article
When in doubt, zoom out: why Bitcoin’s dips are part of the bigger picture
Cryptocurrency
Article - Aug 21, 2025

When in doubt, zoom out: why Bitcoin’s dips are part of the bigger picture

Read Article
A better way to deposit stablecoins: faster, smarter, and now on more networks
Stablecoins
Article - Aug 20, 2025

A better way to deposit stablecoins: faster, smarter, and now on more networks

Read Article
Woman standing against an orange background interacting with the Xapo Bank app.
Apply now
Join
Xapo Bank
Become a member
Ready to upgrade your finances?