Xapo Bank, based in Gibraltar, offers long-term Bitcoin holders a way to earn yield on their holdings. The bank provides a suite of wealth products that generate returns on both USD and BTC balances, paying out all interest 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, and offers a global debit card with BTC cashback. Xapo offers USD Savings and BTC Savings accounts, both paying variable rates with daily interest credited in satoshis. The bank explicitly states that it does not lend or leverage member deposits for USD savings, instead using its own capital to buy short-term US Treasury bills. Similarly, BTC in savings is not lent out or traded, differentiating it from high-risk crypto lenders.

Xapo Bank, based in Gibraltar, offers long-term Bitcoin holders a way to earn yield on their holdings. The bank provides a suite of wealth products that generate returns on both USD and BTC balances, paying out all interest 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, and offers a global debit card with BTC cashback. Xapo offers USD Savings and BTC Savings accounts, both paying variable rates with daily interest credited in satoshis. The bank explicitly states that it does not lend or leverage member deposits for USD savings, instead using its own capital to buy short-term US Treasury bills. Similarly, BTC in savings is not lent out or traded, differentiating it from high-risk crypto lenders.