Xapo Bank
is built for
the ages

How we secure our financial health

To ensure our operational stability, we monitor our finances as closely as our security systems. With our large-scale Bitcoin reserve and low-risk traditional investments we go above and beyond industry standards to secure our financial health—no matter what happens in the market.

Bitcoin
in reserve
Bitcoin
in reserve

Backed by a reserve

Our large-scale private Bitcoin reserve helps secure our financial stability.

These significant holdings provide financial security and ensure we have high liquidity so we can stay resilient in the face of unexpected events.

Segregation
of funds
Segregation
of funds

We keep your Bitcoin completely separate from ours.

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.

Unleveraged
assets
Unleveraged
assets

Unlike most banks, we don’t lend out your funds.

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

Low risk
investments
Low risk
investments

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.

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 interest

Capitalisation that goes above and beyond

Our financial health
Our financial health
To ensure the stability and longevity of our company, we are ultra-conservative in our capitalisation, exceeding industry standards by up to 3,000x. Take a look at our balance sheet:

Xapo

Standards requirements

Capital ratio

That’s almost 4x the capital we are required to hold.

Xapo

396%

Standards requirements

≈100%

Core Equity Tier 1 Capital Ratio

That’s 18x the 7% standard requirement for this measure of a bank's financial strength.

Xapo

132.8%

Standards requirements

≈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.

Xapo

3,237.5%

Standards requirements

100%

Net Stable Funding Ratio

That’s 3x the 100% required by European Law for this measure of long-term liquidity.

Xapo

311.6%

Standards requirements

100%

*Position as of Jan 1 2024

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Independant oversight
Routine audits
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.
Learn more

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
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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}}
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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
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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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