Transparent returns generated by Treasury Bills. Paid in Bitcoin.
No lending desk. No mystery yield. Your dollars sit in short-term US government bonds, and the interest they earn comes to you as Bitcoin, so you can keep stacking consistently without lifting a finger.
No lock-in: your funds stay fully liquid, with no fixed terms or notice periods
Protected: USD covered up to the USD equivalent of £120,000
Proven: founded in 2013, guarding Bitcoin longer than most exchanges have existed
Convert your stablecoins to dollars. Start earning daily Bitcoin on your balance2 .
Taken profits and ready for the next pullback? Send USDC or USDT from any exchange. They convert straight into your USD balance, parked in short-term US Treasuries, earning from day one, and ready to deploy when the moment comes.
USDC: 1:1 USD conversion with zero fees on Ethereum deposits
USDT: Transparent pricing. Final fee displayed at confirmation.
Same money. Three very different outcomes.
At Xapo Bank:
Earning 3.35% a year, paid daily in Bitcoin
Every dollar backed one-to-one: never lent out
USD protected up to the USD equivalent of £120,000
No lock-ups. Your funds are always yours to move
On an exchange:
Earning 0%
If the platform fails, so might your access to your money
No deposit protection
Withdrawals on their schedule, not yours
At a traditional bank:
Interest is paid in depreciating fiat
Deposits are lent out to others
Cryptocurrency transactions are often blocked
No stablecoin integration
Trade like you're on an exchange. Sleep like you're not.
Recurring buys. Skip the stress.
Pick an amount and a schedule. Buy Bitcoin automatically with no transaction fee beyond the 0.29% spread. You stop asking "is now the time?" because every week is the time, and your USD earns interest right up to each buy.
Name your price. Then close the app.
Set the price you're willing to pay and let the market come to you with limit orders. Available today for stocks. Bitcoin limit orders are coming soon. (Swap in the dynamic BTC order card the day it's live in-app.)
