Xapo Bank – Bitcoin Meets Private Banking

Xapo Bank is a fully licensed private bank headquartered in Gibraltar, offering secure banking services with a crypto-first approach. Built for individuals and institutions alike, the platform combines the familiarity of USD banking with the flexibility of Bitcoin, all under a trusted regulatory framework.

Users can earn daily interest on both BTC and USD deposits — up to 0.5% on BTC, and 3.35% on USD and competitive returns on USD. All interest is paid daily, and in the case of USD, it’s paid in Satoshis, blending traditional finance with crypto-native benefits.

The Xapo Card adds further versatility. This global debit card enables users to spend directly from their Bitcoin or USD balance and offers up to 1% cashback in BTC on purchases. With zero FX fees and real-time notifications, it ensures spending is seamless across borders.

Xapo Bank puts security at the forefront. Its infrastructure uses Multi-Party Computation (MPC) and a distributed key architecture to eliminate single points of failure. Funds are held in highly protected environments, and the bank adheres to rigorous compliance under the Gibraltar Financial Services Commission.

Though no longer operating in the U.S., Xapo remains a strong global solution, particularly for users outside traditional banking access points. The upcoming launch of its native utility token will further enhance services including governance, staking, launchpads, and a crypto debit card rewards program.