Xapo Bank
is built for
the ages
We’re in this for the long haul. Founded in 2013, we’re one of the first Bitcoin custodians, and when we plan for the future, we do so for generations to come.
How we secure our financial health
To ensure our operational stability, we monitor our finances as closely as our security systems. With our low-risk traditional investments we go above and beyond industry standards to secure our financial health—no matter what happens in the market.
Accessible funds
We keep your Bitcoin completely separate from ours.
We don’t lend out your Bitcoin, and we don’t mix funds. That means your holdings are always 100% yours, and 100% accessible.
Zero debt
Unlike most banks, we don’t lend out your funds.
We don’t offer people credit cards or mortgages. This reduces risk and ensures liquidity—even if all our members withdrew their entire balance on the same day.
Learn more about our secure operations
Minimal risk
When generating interest for our members, we limit ourselves to low-risk investments like triple-A rated U.S. treasury bonds that are very close to reaching maturity.
By selecting these trusted investments that are as close to zero-risk as possible, we ensure our funds stay protected and easily accessible.
Learn how we generate interestList of elligible countries for Xapo Bank card:
- Åland Islands
- Albania
- Algeria
- American Samoa
- Andorra
- Angola
- Anguilla
- Antigua and Barbuda
- Argentina
- Armenia
- Aruba
- Austria
- Azerbaijan
- Bahamas
- Bahrain
- Bangladesh
- Barbados
- Belgium
- Belize
- Benin
- Bermuda
- Bhutan
- Bolivia
- Bonaire
- Botswana
- Bouvet Island
- Brazil
- British Indian Ocean Territory
- British Virgin Islands
- Brunei
- Burkina Faso
- Burundi
- Cambodia
- Cameroon
- Cape Verde
- Cayman Islands
- Chad
- Chile
- China
- Christmas Island
- Cocos Islands
- Colombia
- Comoros
- Congo
- Cook Islands
- Costa Rica
- Curaçao
- Denmark
- Djibouti
- Dominica
- Dominican Republic
- Ecuador
- Egypt
- El Salvador
- Equatorial Guinea
- Eritrea
- Ethiopia
- Falkland Islands
- Faroe Islands
- Fiji
- Finland
- France
- French Guiana
- French Polynesia
- French Southern and Antarctic Lands
- Gabon
- Gambia
- Georgia
- Germany
- Ghana
- Gibraltar
- Greece
- Greenland
- Grenada
- Guadeloupe
- Guam
- Guatemala
- Guernsey
- Guinea
- Guinea-Bissau
- Guyana
- Haiti
- Heard Island and McDonald Islands
- Honduras
- Hungary
- Iceland
- Ireland
- Isle of Man
- Italy
- Jamaica
- Japan
- Jersey
- Jordan
- Kazakhstan
- Kiribati
- Kosovo
- Kuwait
- Kyrgyzstan
- Laos
- Lesotho
- Liberia
- Liechtenstein
- Luxembourg
- Macao
- Madagascar
- Malawi
- Maldives
- Mali
- Malta
- Marshall Islands
- Martinique
- Mauritania
- Mauritius
- Mayotte
- Mexico
- Micronesia
- Midway Islands
- Moldova
- Monaco
- Mongolia
- Montenegro
- Montserrat
- Morocco
- Mozambique
- Namibia
- Nauru
- Nepal
- Netherlands
- New Caledonia
- New Zealand
- Niger
- Niue
- Norfolk Island
- North Macedonia
- Northern Mariana Islands
- Norway
- Oman
- Pakistan
- Palau
- Panama
- Papua New Guinea
- Paraguay
- Peru
- Pitcairn Islands
- Poland
- Portugal
- Puerto Rico
- Qatar
- Reunion
- Romania
- Rwanda
- Saint Barthelemy
- Saint Helena, Ascension and Tristan da Cunha
- Saint Kitts and Nevis
- Saint Lucia
- Saint Martin
- Saint Pierre and Miquelon
- Saint Vincent and the Grenadines
- Samoa
- San Marino
- Sao Tome and Principe
- Saudi Arabia
- Senegal
- Seychelles
- Sierra Leone
- Singapore
- Sint Maarten
- Slovakia
- Slovenia
- Solomon Islands
- South Africa
- South Georgia and the South Sandwich Islands
- South Korea
- Spain
- Sri Lanka
- Suriname
- Svalbard and Jan Mayen
- Swaziland
- Sweden
- Switzerland
- Tahiti
- Taiwan
- Tajikistan
- Tanzania
- Timor-Leste
- Togo
- Tokelau
- Tonga
- Trinidad and Tobago
- Tunisia
- Turkey
- Turkmenistan
- Turks and Caicos Islands
- Tuvalu
- Uganda
- Ukraine
- United Arab Emirates
- United Kingdom
- Uruguay
- US Minor Outlying Islands
- US Virgin Islands
- Uzbekistan
- Vanuatu
- Vatican City
- Vietnam
- Wake Island
- Wallis and Futuna
- Western Sahara
- Yemen
- Zambia
Capitalisation that goes above and beyond
Capital ratio
That’s almost 4x the capital we are required to hold.
396%
≈100%
Core Equity Tier 1 Capital Ratio
That’s 18x the 7% standard requirement for this measure of a bank's financial strength.
132.8%
≈7%
Liquidity Coverage Ratio (LCR)
That’s 3,000x more than the 100% required by European Law for this measure of net cash outflows during a 30-day stress period.
3,237.5%
100%
Net Stable Funding Ratio
That’s 3x the 100% required by European Law for this measure of long-term liquidity.
311.6%
100%
*Position as of Jan 1 2024
We are routinely audited by one of the big 4 accountancy firms—the most trusted institutions in the world. They evaluate the integrity of our product, operations, and security system, as well as our adherence with applicable laws and regulatory standards.
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