Xapo Bank
Xapo Bank is a licensed private bank based in Gibraltar, offering Bitcoin custody and banking services including Bitcoin-backed loans in USD or USDC.
Interest Rate
1-4% APR
Max LTV
Up to 50%
Min Loan
$10,000
Jurisdiction
Gibraltar (EU/Global)
Collateral
BTC
Adoption
Medium
Type
Centralized
Est.
2013
About Xapo Bank
Xapo Bank is a fully licensed private bank headquartered in Gibraltar, offering traditional banking services with Bitcoin integration. Members can borrow USD or USDC against their Bitcoin holdings at competitive rates. Xapo provides IBAN accounts, a Mastercard debit card, and institutional-grade custody (previously used by Coinbase). Membership requires application and minimum deposits.
Key Features
Licensed Gibraltar bank, USD/EUR accounts, debit card, institutional custody, member services.
Benefits
- Fully licensed and regulated bank
- Low interest rates starting from 1%
- High security with institutional-grade custody
- Personalized member service
Risks
- Membership required with minimum deposit
- Centralized custody of Bitcoin
- Limited to qualified members
Important Notice
This information is provided for educational purposes only and should not be considered financial advice. Always do your own research and verify current terms directly with Xapo Bank before making any decisions. Rates, terms, and availability are subject to change. Last verified: January 5, 2025.
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