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.

Our security system Reserve Compliance Inheritance

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

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

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

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

List 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

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:

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

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