Our unique
regulatory
strucuture

Why bank your Bitcoin?

Because it keeps your holdings safer, while making it easy to transact, and possible to earn. And it means there are multiple layers of protections in place for your funds, even if Xapo Bank were to close.1

We comply with Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations and keep your Bitcoin holdings and transaction information private by design.

A fully
licensed bank
A fully
licensed bank

Your USD deposits are guaranteed.

Xapo Bank

Your USD deposits are guaranteed.

Our status as a fully regulated bank provides protection for your USD with deposits of up to the equivalent of EUR 100,000 backed by the Gibraltar Deposit Guarantee Scheme, and securities with a value of up to €20,000, covered by the Gibraltar Investor Compensation Scheme (GICS), which compensates 90% of the investment value up to a maximum of €20,000.

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A regulated
bitcoin custodian
A regulated
bitcoin custodian

We’re setting a new regulatory standard for Bitcoin.

Xapo Vasp

We’re setting a new regulatory standard for Bitcoin.

Our status as a VASP requires us to adhere to strict regulatory protocols for operational integrity and customer protection.

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Our compliance protocols

We operate under the oversight of the Gibraltar Financial Services Commission. Certain services are also available in the UK under the regulation of the Financial Conduct Authority (FCA).2

We are bound by consumer protection laws and adhere to strict international compliance standards for the assets we protect, including:

PCI-DSS

Payment Card Industry Data Security Standard (PCI-DSS), keeps your card information secure.

KYC

Know Your Customer (KYC) verifies the legitimacy of our members and their transactions.

AML

Anti-Money Laundering (AML) ensures the integrity of all transactions.

Routine independent audits

Independent oversight
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Independent oversight
To ensure we continue to operate in full compliance with regulatory standards we undergo routine independent audits by one of the big 4 accountancy firms, as well as Service Organization Control Type 2 (SOC 2), and PricewaterhouseCoopers (PwC). They evaluate our operations, product and services, and security controls.

Your privary is protected

Privacy
Close-up shot of a security camera with it's recording light switched on.
Privacy
Rest assured that our rigorous compliance measures do not compromise the privacy of your account. While we open our own balance sheets to auditors, your Bitcoin balance won’t be shared without your consent and will not be publicly available.

Meet our team of experts

Xapo Bank employees in discussion at the Gibraltar headquarters.
Expertise
Our board members have decades of experience across the global financial industry, with diverse specialties including Bitcoin security, international finance, law, and traditional banking.
Our expertise

The Xapo
Insider

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

Explore The Xapo Insider
How Xapo Bank {{is Enhancing}} Bitcoin Trading with FalconX
News
Article - Oct 07, 2024

How Xapo Bank is Enhancing Bitcoin Trading with FalconX

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Why Institutional-Level Bitcoin Pricing Matters for {{Your Trades}}
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Article - Oct 07, 2024

Why Institutional-Level Bitcoin Pricing Matters for Your Trades

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Xapo Bank and Hilbert Group Launch Bitcoin Yield Hedge Fund with $175M {{Initial Investment}}
News
Article - Sep 18, 2024

Xapo Bank and Hilbert Group Launch Bitcoin Yield Hedge Fund with $175M Initial Investment

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How Xapo Bank Safeguards your Transactions
News
Article - Sep 06, 2024

How Xapo Bank Safeguards your Transactions

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Xapo Bank and Hilbert Group: Pioneering Innovation in Bitcoin Wealth Growth
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Article - Aug 30, 2024

Xapo Bank and Hilbert Group: Pioneering Innovation in Bitcoin Wealth Growth

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The Price Is Right: A Note on Recent BTC Volatility
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Article - Aug 08, 2024

The Price Is Right: A Note on Recent BTC Volatility

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