Your USD sits in high quality liquid assets including US Treasury bills and money market funds. The 4.1% variable base rate they earn comes to you as Bitcoin, no crypto counterparties involved.2
Turn dollars into daily Bitcoin. Earn 4.6%* APY on USD Savings.
Leaving your stablecoins on an exchange means taking on unnecessary counterparty risk. Move them to Xapo Bank, where your dollars go to work the way they should: anchored in high-quality liquid assets with yield paid out daily in Bitcoin. Your USD deposits are protected up to the equivalent of £120,000.1,3
Returns generated by high-quality liquid assets. Paid daily in Bitcoin.
Xapo offers the highest USD Savings rate paid daily in Bitcoin
Bitcoin-yielding platforms
Traditional Banks
APY
Interest payout
Deposit protection
Access to stablecoins
Convert your stablecoins to dollars. Start earning daily Bitcoin on your balance.2
Taken profits and ready for the next pullback? Send USDC or USDT from any exchange. They convert straight into your USD balance, parked in high-quality liquid assets, earning from day one, and ready to deploy when the moment comes.
USDC: 1:1 USD conversion with zero fees on Ethereum deposits
USDT: Transparent pricing. Final fee displayed at confirmation.
Trade like you're on an exchange. Sleep like you're not.
Set and forget with Xapo’s automated orders:
Recurring buys. Skip the stress.
Set a recurring BTC buy on your schedule and DCA on autopilot. Your USD keeps earning interest right up until you deploy it, at a competitive 0.29% spread with no added fee.
Name your price. Keep earning until it lands.
You already know your price. Set it once with a limit order, and keep earning BTC until it lands.
There's always more you can do with your Bitcoin at Xapo Bank.
Secure your legacy:Protect your wealth for future generations with Xapo's world-class beneficiary infrastructure.
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Earn on your Bitcoin tooGet 0.25% a year, paid daily in Bitcoin. Low-risk: your coins are never lent out.
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A person, not a queueEvery member gets a dedicated relationship manager, by name, from day one.
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$500 USD in Bitcoin per friendBring the ones who talked you into holding. You’ll both get $500 in Bitcoin each.
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Every cycle ends. Wait somewhere built to outlast them.
FAQs
See all FAQs
Yes. Send USDC or USDT to your Xapo Bank account. USDC converts to dollars one-to-one with no Xapo fee on Ethereum deposits and with a .10% spread on Solana deposits. Your stablecoin deposits are converted into USD and start earning in USD Savings right away.
No transaction fee. The only cost is the 0.29% spread built into the price you see before you confirm.
Yes, under the Gibraltar Deposit Guarantee Scheme, up to the USD equivalent of £120,000. Bitcoin balances aren't covered by the scheme.
It's low-risk by design: your Bitcoin is never lent out or put to use anywhere — Xapo funds the interest from its own reserves. And like all crypto, Bitcoin isn't covered by deposit protection, which is why we never gamble with it.
Yield is generated through high-quality liquid assets such as short term US Treasury bills, AAA-rated money market funds, and high-quality corporate bonds, with daily payouts distributed directly in Bitcoin.
Yes, $20 USD. A balance of at least $20 in USD Savings starts earning from day one. Interest is calculated daily and paid in Bitcoin.
Yes. Send USDC or USDT to your Xapo Bank account. USDC converts to dollars one-to-one with no Xapo fee on Ethereum deposits and with a .10% spread on Solana deposits. Your stablecoin deposits are converted into USD and start earning in USD Savings right away.
It's low-risk by design: your Bitcoin is never lent out or put to use anywhere — Xapo funds the interest from its own reserves. And like all crypto, Bitcoin isn't covered by deposit protection, which is why we never gamble with it.
No transaction fee. The only cost is the 0.29% spread built into the price you see before you confirm.
Yield is generated through high-quality liquid assets such as short term US Treasury bills, AAA-rated money market funds, and high-quality corporate bonds, with daily payouts distributed directly in Bitcoin.
Yes, under the Gibraltar Deposit Guarantee Scheme, up to the USD equivalent of £120,000. Bitcoin balances aren't covered by the scheme.
Yes, $20 USD. A balance of at least $20 in USD Savings starts earning from day one. Interest is calculated daily and paid in Bitcoin.