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

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

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

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

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

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

Seated gentleman engaging with the Xapo Bank app on his mobile phone, overlaid with an orange hue.

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