We don’t just keep your Bitcoin safe, we make it easy to use it.

Your funds are always right where you need them. Anytime. Anywhere. With just a few taps you can transact in BTC, or make payments in EUR, GBP, USD, USDC, and USDT. Never miss the dip with automated BTC buys*, instantly send and spend with the Lightning Network, and use your signature metal Xapo Bank card around the world with no foreign exchange fees.³

*Capital at risk²

Unlock the potential of your holdings with 0.0% APR on your BTC, and 0.0% APR on your USD⁴.

Put your holdings to work, without lifting a finger. You can earn Bitcoin every day with interest on your savings⁴, cashback on your card spending⁵, and recurring rewards for your referrals⁶. Watch your wealth grow in real time with interest paid out daily⁷.

We put the S&P 500 and NASDAQ at your fingertips.

A whole world of investing is just a few taps away: diversify your financial portfolio with effortless and affordable access to U.S. stocks no matter where you live.⁷ We make it easy to track your net worth at a glance with your securities, cryptocurrencies, and US dollar savings all in one app.

Enjoy an exceptional level of service, around the clock.

Tired of chatting with bots? We hear you. As a member, you’ll have a dedicated account manager who can guide you through our offerings and help with anything you need. Support is available 7 days a week and we welcome all our members to visit us in person at our Gibraltar headquarters.

You’re in control with your hardware security key.

Add a hardware security key to safeguard BTC Vault withdrawals, and remain protected even if someone gains access to your phone and PIN. With this additional layer of physical security, you decide when—and if—your Bitcoin moves.