Get Cash Without Spending Bitcoin
Your Bitcoin is a legacy built for the future. Don't let the present chip away at it. We provide access to the cash you need today without forcing you to sacrifice your hard-earned wealth.1
Borrow up to 40% of your Bitcoin's current value
The amount may vary based on your specific situation. Please check the app for more details or reach out to your Relationship Manager. Subject to eligibility and availability.
Saved BTC/USD reference: $82,033.09. Illustrative estimate only; not a lending quote.
Funds Kept Vaulted
All of your Bitcoin remains locked up and secure in our digital vaults when used as collateral.2 Additionally, your loan is limited to 40% of your Bitcoin's value to provide a strong safety buffer against market volatility.
No rehypothecation of Bitcoin
40% LTV protection against price swings
Instant Approval
Following a quick eligibility check, you can have cash in your account in under a minute. Upon approval, your funds are ready to send, spend, or swipe.
Super fast and pre-approved with no traditional credit checks
Cash arrives in under a minute
Cash on Demand
As an active member, your Bitcoin holdings and account history pave the way for pre-approved credit, providing instant access to cash whenever you need it.
Integrated BTC and USD accounts offer a complete experience in one app.2
Secure the loan with Bitcoin to receive instant USD funding
More Cash Anytime
Instantly top up your existing loan and get more cash when you need it without the hassle of a new application or a second loan.
Additional cash is deposited instantly once the loan is upsized
Your loan adjusts to your life by instantly increasing your limit
Get more cash with no hidden fees or administrative delays
Eligibility is primarily based on your Bitcoin holdings. You must have a minimum of 0.1 BTC. Please note that lending services are not available to residents of the United Kingdom or Australia.
Xapo Bank allows you to increase your loan with Loan upsizing. Instantly borrow more US Dollars through your existing loan without applying for a new one. You can access additional funds instantly, subject to maintaining a healthy loan-to-value ratio, i.e., max 40% LTV. Simply navigate to your existing loan in the Xapo Bank app, tap 'Upsize', enter your desired additional amount, and confirm. Once confirmed, your extra funds will be credited to your USD account immediately.
To avoid unnecessary liquidation of your collateral, especially when Bitcoin prices are volatile, maintain a healthy LTV. Regularly monitor it and keep it below the indicated liquidation percentage. Pay on time and ensure you do not miss the loan due date payment.
Respond to margin calls and add collateral to decrease your LTV, or make a partial repayment to also lower your LTV.
Currently, the interest rate for a Xapo Bank loan is 10.5%. There are also no arrangement, setup, closure, or liquidation fees. You only pay interest on the amount you borrow.
If you cannot repay the loan on time, some or even all of your Bitcoin collateral will be sold to cover the loan amount and any accrued interest. Any remaining Bitcoin collateral not sold will be returned to your BTC Vault.
There is no set schedule for your payments. You can make payments at any time during the loan term. Just ensure you can repay the loan in full by the end of the term. You can repay your loan early at any time during the loan term. Early repayment may reduce the total interest you owe. When repaying, the accrued interest is paid first, followed by the outstanding principal. There are no penalties for early repayment.
A margin call occurs when the value of your collateral, in this case Bitcoin, falls below a certain threshold, prompting the lender to request additional funds or assets to maintain the required Loan-to-Value (LTV) ratio. If you don’t meet the margin call by adding more collateral or repaying part of the loan, Xapo Bank will sell your Bitcoin to cover the outstanding balance.
Eligibility is primarily based on your Bitcoin holdings. You must have a minimum of 0.1 BTC. Please note that lending services are not available to residents of the United Kingdom or Australia.
If you cannot repay the loan on time, some or even all of your Bitcoin collateral will be sold to cover the loan amount and any accrued interest. Any remaining Bitcoin collateral not sold will be returned to your BTC Vault.
Xapo Bank allows you to increase your loan with Loan upsizing. Instantly borrow more US Dollars through your existing loan without applying for a new one. You can access additional funds instantly, subject to maintaining a healthy loan-to-value ratio, i.e., max 40% LTV. Simply navigate to your existing loan in the Xapo Bank app, tap 'Upsize', enter your desired additional amount, and confirm. Once confirmed, your extra funds will be credited to your USD account immediately.
There is no set schedule for your payments. You can make payments at any time during the loan term. Just ensure you can repay the loan in full by the end of the term. You can repay your loan early at any time during the loan term. Early repayment may reduce the total interest you owe. When repaying, the accrued interest is paid first, followed by the outstanding principal. There are no penalties for early repayment.
To avoid unnecessary liquidation of your collateral, especially when Bitcoin prices are volatile, maintain a healthy LTV. Regularly monitor it and keep it below the indicated liquidation percentage. Pay on time and ensure you do not miss the loan due date payment.
Respond to margin calls and add collateral to decrease your LTV, or make a partial repayment to also lower your LTV.
A margin call occurs when the value of your collateral, in this case Bitcoin, falls below a certain threshold, prompting the lender to request additional funds or assets to maintain the required Loan-to-Value (LTV) ratio. If you don’t meet the margin call by adding more collateral or repaying part of the loan, Xapo Bank will sell your Bitcoin to cover the outstanding balance.
Currently, the interest rate for a Xapo Bank loan is 10.5%. There are also no arrangement, setup, closure, or liquidation fees. You only pay interest on the amount you borrow.
Smart Borrowing, Real Experience
Never Sell Your Bitcoin
Keep your Bitcoin untouched when a need for cash arises. Loan all you need, while your principal stays secure.
Real support, Whenever you need it
From exploring the BTC Fund to managing your savings, our team is ready to help — 24/7, right from your app.
Dedicated relationship manager— Personalised support from your relationship manager.
24/7 assistance— Get help anytime through in-app chat or email.
Bitcoin expertise— Guidance from specialists who understand both banking and crypto.
