The safest
way to bank
your bitcoin

We’re proud to offer a better alternative to self-custody—one that is both safer, and more accessible—so you can enjoy peace of mind and continue to grow your wealth.

Our security system Reserve Compliance

A distributed security system

To protect against any single point of failure, we implement diverse layers of physical and digital security that we rigorously monitor 24/7.

Decentralized
keys

Cutting-edge technology

Your funds are always protected by our state-of-the-art multi-party computation (MPC) protocols.

Whether you are holding or transacting, your funds are protected using a decentralised key system powered by multi-party computation (MPC) protocols. Continuously regenerating “shards” of a master key are created using a threshold-based signing mechanism. Each is encrypted and stored in separate, undisclosed locations. No one person, even on our own security team, knows where all the shards are at any given time. This cutting-edge technology is open source, and has never had a vulnerability discovered.

See how MPC works

Impenetrable
infrastructure

Military-grade bunkers

Our cutting-edge digital protocols are further secured by a physical network of military-grade bunkers.

These bomb-proof structures are in undisclosed locations and kept 100% offline. Protected by armed guards and a team of security professionals, they feature an air-gapped design and maze-like interior, with all digital contents encrypted using military-grade Intel SGX hardware.

Rigorous
monitoring

A zero trust model

Our security experts monitor over 100 controls, around the clock.

We continuously monitor every aspect of our security system, use innovative AI-powered anti-malware, and are routinely audited by one of the big 4 accountancy firms. We operate on a Zero Trust Security Model, which means we verify each and every internal request no matter where it comes from. It’s like making sure you know who’s at the door before letting them in, even when you’re expecting someone.

See it in action

Secure
operations

Secure operations

We don’t put your holdings at risk.

Your funds are your funds: we keep your Bitcoin segregated from ours. We also ensure our financial health by backing our operations with a large-scale private Bitcoin reserve, carrying zero debt, and only investing U.S. dollars in low-risk assets like U.S. treasury bonds to generate interest.

Take a closer look

Regulatory
guarantees

Regulatory guarantees

Your funds are protected, no matter what.

Our status as a regulated bank and VASP means there are guaranteed protections in place to ensure the safe return of your fiat funds, even if Xapo Bank were to close.¹

Learn more

Tailored account

controls

at your

fingertips

Biometrics

2FA

Card freeze

Real-time alerts

Vault

Location lock

Password recovery

Protect your wealth with biometric identification options, including fingerprint or face recognition.

A second-step verification mechanism ensures that you, and only you, can access your account.

Instantly freeze your Xapo Bank card from the app and request a new card.

Get notifications for all transactions so you’re always in the know.

Lock funds in the vault to protect them with 48h withdrawal holds and additional authentication controls.

Turn off global payments when you’re at home to restrict transactions to your own country.

There’s no seed phrase to remember—or risk losing. We’re always here to help you securely regain access if you’re locked out of your account.

Biometrics

Protect your wealth with biometric identification options, including fingerprint or face recognition.

2FA

A second-step verification mechanism ensures that you, and only you, can access your account.

Card freeze

Instantly freeze your Xapo Bank card from the app and request a new card.

Real-time alerts

Get notifications for all transactions so you’re always in the know.

Vault

Lock funds in the vault to protect them with 48h withdrawal holds and additional authentication controls.

Location lock

Turn off global payments when you’re at home to restrict transactions to your own country.

Password recovery

There’s no seed phrase to remember—or risk losing. We’re always here to help you securely regain access if you’re locked out of your account.

Xapo Bank is safer than self-custody

Expertise

Abstract image of a building's interior overlaid with an orange hue.

Expertise

Are you really a security expert?

Whether it’s a forgotten seed phrase, a natural disaster that destroys a hard drive, an unexpected death, or exposure to risky exchanges, self-custody has many potential failure points that can take your wealth to zero just like that. To date, over USD $150 billion in Bitcoin has been permanently lost or stolen due to lost hardware and hacks. We’re here to protect against that: with over a decade of Bitcoin custody experience, a team of dedicated Bitcoin security experts, cutting-edge decentralised digital and physical infrastructure, and rigorous regulatory protections, we’re committed to securing financial freedom for our members by providing them with the safest possible way to protect—and grow—their Bitcoin wealth.

Our mission