Xapo Bank, based in Gibraltar, is encouraging long-term Bitcoin holders to utilize their assets through its wealth products. These products generate yield from both USD and BTC balances, with returns paid in Bitcoin. As a regulated bank and virtual asset service provider (VASP), Xapo allows users to hold USD and BTC side by side, earning interest on both. The bank offers USD Savings, where interest is earned on USD and paid in Bitcoin, and BTC Savings, where interest is earned and paid in BTC. Xapo explicitly states that it does not lend out member deposits, differentiating itself from high-risk crypto lenders. The bank also offers a BTC Credit Fund aimed at wealthier clients, targeting annual growth in Bitcoin.

Xapo Bank, based in Gibraltar, is encouraging long-term Bitcoin holders to utilize their assets through its wealth products. These products generate yield from both USD and BTC balances, with returns paid in Bitcoin. As a regulated bank and virtual asset service provider (VASP), Xapo allows users to hold USD and BTC side by side, earning interest on both. The bank offers USD Savings, where interest is earned on USD and paid in Bitcoin, and BTC Savings, where interest is earned and paid in BTC. Xapo explicitly states that it does not lend out member deposits, differentiating itself from high-risk crypto lenders. The bank also offers a BTC Credit Fund aimed at wealthier clients, targeting annual growth in Bitcoin.