THE SAFEST
WAY TO BANK
YOUR BITCOIN
Our unparalleled security system is tailor-made by experts and has kept our members’ Bitcoin holdings secure for over a decade.
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.
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.
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 worksMilitary-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.
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 actionSecure 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
Manage your Vault keys
A physical hardware key for maximum security.
HODL confidently with our latest security enhancement. Hardware security keys now integrate directly into our multi-layered security approach, giving you an additional physical line of defence.
Using a physical key for Vault withdrawals ensures that your funds stay securely under your control at all times.
Learn moreList 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
Xapo Bank is safer than self-custody
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 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.
The Xapo
Insider
Catch up on the latest crypto news, and get the inside scoop on our products and services.
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Security or Convenience: Which Should You Prioritise For Your Bitcoin?
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