Xapo Bank

Xapo Bank

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First Bitcoin-enabled bank to integrate fiat with crypto. Protect and grow your wealth in a USD bank account & enjoy the flexibility of blockchain transactions.

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The 20 millionth Bitcoin has been mined this week, leaving just 1 million to be slowly issued over the next century. We have officially entered the final act of the supply schedule. As we inch closer to a reality where the majority of the world holds $BTC, the most compelling question isn't about fiat price targets, but how this absolute scarcity fundamentally rewires society. When the dust settles, will a definitively capped supply finally kill our high-time-preference culture, cure the chronic financial anxiety of fiat debasement, quietly power a layer-2 machine-to-machine economy, or will the ultimate victory of #hyperbitcoinization just feel remarkably normal?

The @coinglass_com Crypto Fear & Greed Index is currently sitting at 12, marking a slight recovery from this week's extreme lows but remaining firmly in "Extreme Fear" territory. 📊 Periods of profound market fear serve as the ultimate psychological stress test. Historically, these extreme capitulation events flush out over-leveraged speculators and short-term market tourists who are unprepared for the volatility of an emerging asset class. For high-conviction #Bitcoiners, low-sentiment environments are not a signal to retreat. They represent a significant macroeconomic opportunity. Generational wealth is rarely built by chasing green candles during euphoric bull markets; it is built by accumulating sound money when the broader market is paralysed by uncertainty. While short-term sentiment will always fluctuate, the fundamental mathematics of #Bitcoin's scarcity remain entirely unchanged. The long-term thesis is as solid today as it was at all-time highs. Did you capitalise on this week's extreme fear as we touch the 70's once again to strengthen your position?

1: 🧵 Markets are testing resolve. Bitcoin is down ~50% from its October highs. In times like these, "Not your keys, not your coins" is only half the story.

While the market obsesses over short-term price action, institutional capital continues to quietly build positions. What is actually driving Bitcoin right now? Our Head of Relationship Management, Tommy Doyle, brings his extensive TradFi and digital asset expertise to break down the macro picture. Required listening to separate the signal from the noise. 👇

Bitcoin’s not behaving as investors expect ✅Institutional capital pouring in ✅Stablecoins pass $300B Yet crypto’s top asset is underperforming So what’s really driving BTC? We break it down in our next webinar @LowBeta @jjcmoreno @xapobankapp https://x.com/i/broadcasts/1yKAPMPXLezxb…

The market is exhaling. Bitcoin had a bumpy weekend, but it’s doing what it does best: staying the course. While it dipped below $75,000, it’s still acting as a clear signal in a world that’s currently very loud. As Gadi Chait, Head of Investments at Xapo Bank, recently noted in CryptoNews: “We should be careful not to mistake Bitcoin’s current lag for a loss of direction... For long-term participants, short- to medium-term price fluctuations remain a familiar feature rather than a signal of impaired fundamentals.” We saw why that perspective matters this past Monday. For decades, the "safe" play was gold and silver. But the rules changed this weekend. Silver took its biggest hit ever, dropping over 30%, and gold fell harder than it has since the 1980s. When everyone tries to leave the room at the same time, even the oldest safety nets can break. Bitcoin works differently. It absorbs the shock, settles, and waits. As Gadi pointed out, its real response usually "emerges later." It’s just catching its breath. Gold and silver are insurance policies for a world we’re starting to outgrow. Bitcoin is the architecture for the one we’re building. One is trying to hold onto the past. The other is already looking at tomorrow. cryptonews.com/news/why-is-cry...…

1/ If an attacker demands your #Bitcoin, the strongest defence is a simple truth: "I physically cannot move this alone." You don’t have a seed phrase to hand over. You don’t have a master key to find. This is a result of a fundamental shift from hardware to MPC. 🧵

If you could lock your Bitcoin in a vault and weren't allowed to touch it for a specific period, which would you choose to ensure the best outcome? 🔒

Thirteen years ago, when we founded Xapo, we weren't building for a ‘trend’. We were building for a world where #Bitcoin would eventually sit on the balance sheets of nations. Now in 2026, that world has arrived. In 2025, the bridge between traditional banking and digital assets widened. With the full implementation of the GENIUS Act in the U.S. and MiCA in Europe, the #crypto ‘Wild West’ has been replaced by a global standard, a standard Xapo Bank has championed since 2013. What we’re looking forward to in the 2026 crypto landscape: Bitcoin is no longer speculative. It’s productive. Our members aren't just holding BTC; they are putting it to work with a newly launched institutional-grade Bitcoin wealth product #Stablecoins are also becoming more functional than fad. In 2025, we processed record volumes across USDC and USDT. In Q4, 84% of USDC volume was flowing straight back out into the economy, showing it's being used as a currency. USDT movement surged by 38% as we headed into 2026, suggesting that the stablecoin is being put to work more than ever before. These figures suggest that stablecoins have moved from niche tools to the primary settlement layer for international business. In 2026, the benefits of stablecoins in a global economy will become even more apparent. With the emergence of strategic Bitcoin reserves at the state and corporate levels, the question for 2026 isn't ‘Why Bitcoin?’ but ‘How do you secure it, and accumulate more of it?’ We are celebrating 13 years of providing a foundation for Bitcoin holders. We didn't have to reinvent our model to keep up with 2026; we have always been the model that 2026 needed. Welcome to year 13 at Xapo Bank. 𝘋𝘰𝘯’𝘵 𝘪𝘯𝘷𝘦𝘴𝘵 𝘶𝘯𝘭𝘦𝘴𝘴 𝘺𝘰𝘶’𝘳𝘦 𝘱𝘳𝘦𝘱𝘢𝘳𝘦𝘥 𝘵𝘰 𝘭𝘰𝘴𝘦 𝘢𝘭𝘭 𝘵𝘩𝘦 𝘮𝘰𝘯𝘦𝘺 𝘺𝘰𝘶 𝘪𝘯𝘷𝘦𝘴𝘵. 𝘛𝘩𝘪𝘴 𝘪𝘴 𝘢 𝘩𝘪𝘨𝘩-𝘳𝘪𝘴𝘬 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘢𝘯𝘥 𝘺𝘰𝘶 𝘴𝘩𝘰𝘶𝘭𝘥 𝘯𝘰𝘵 𝘦𝘹𝘱𝘦𝘤𝘵 𝘵𝘰 𝘣𝘦 𝘱𝘳𝘰𝘵𝘦𝘤𝘵𝘦𝘥 𝘪𝘧 𝘴𝘰𝘮𝘦𝘵𝘩𝘪𝘯𝘨 𝘨𝘰𝘦𝘴 𝘸𝘳𝘰𝘯𝘨. 𝘊𝘳𝘺𝘱𝘵𝘰𝘢𝘴𝘴𝘦𝘵 𝘴𝘦𝘳𝘷𝘪𝘤𝘦𝘴 𝘢𝘳𝘦 𝘱𝘳𝘰𝘷𝘪𝘥𝘦𝘥 𝘣𝘺 𝘟𝘢𝘱𝘰 𝘝𝘢𝘴𝘱 𝘓𝘪𝘮𝘪𝘵𝘦𝘥, 𝘢 𝘤𝘰𝘮𝘱𝘢𝘯𝘺 𝘳𝘦𝘨𝘶𝘭𝘢𝘵𝘦𝘥 𝘣𝘺 𝘵𝘩𝘦 𝘎𝘪𝘣𝘳𝘢𝘭𝘵𝘢𝘳 𝘍𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘚𝘦𝘳𝘷𝘪𝘤𝘦𝘴 𝘊𝘰𝘮𝘮𝘪𝘴𝘴𝘪𝘰𝘯 𝘢𝘴 𝘢 𝘋𝘪𝘴𝘵𝘳𝘪𝘣𝘶𝘵𝘦𝘥 𝘓𝘦𝘥𝘨𝘦𝘳 𝘛𝘦𝘤𝘩𝘯𝘰𝘭𝘰𝘨𝘺 𝘗𝘳𝘰𝘷𝘪𝘥𝘦𝘳 𝘶𝘯𝘥𝘦𝘳 𝘗𝘦𝘳𝘮𝘪𝘴𝘴𝘪𝘰𝘯 𝘕𝘰. 26061 𝘢𝘯𝘥 𝘯𝘰𝘵 𝘣𝘺 𝘟𝘢𝘱𝘰 𝘉𝘢𝘯𝘬 𝘓𝘪𝘮𝘪𝘵𝘦𝘥. 𝘟𝘢𝘱𝘰 𝘉𝘢𝘯𝘬 𝘓𝘪𝘮𝘪𝘵𝘦𝘥 𝘱𝘳𝘰𝘷𝘪𝘥𝘦𝘴 𝘴𝘦𝘳𝘷𝘪𝘤𝘦𝘴 𝘦𝘹𝘤𝘭𝘶𝘴𝘪𝘷𝘦𝘭𝘺 𝘪𝘯 𝘳𝘦𝘴𝘱𝘦𝘤𝘵 𝘰𝘧 𝘧𝘪𝘢𝘵 𝘣𝘢𝘭𝘢𝘯𝘤𝘦𝘴. 𝘊𝘳𝘺𝘱𝘵𝘰 𝘢𝘴𝘴𝘦𝘵 𝘥𝘦𝘱𝘰𝘴𝘪𝘵𝘴 𝘢𝘳𝘦 𝘯𝘰𝘵 𝘤𝘰𝘷𝘦𝘳𝘦𝘥 𝘣𝘺 𝘵𝘩𝘦 𝘎𝘪𝘣𝘳𝘢𝘭𝘵𝘢𝘳 𝘋𝘦𝘱𝘰𝘴𝘪𝘵 𝘎𝘶𝘢𝘳𝘢𝘯𝘵𝘦𝘦 𝘚𝘤𝘩𝘦𝘮𝘦. 𝘈𝘱𝘱𝘳𝘰𝘷𝘦𝘥 𝘣𝘺 𝘟𝘢𝘱𝘰 𝘉𝘢𝘯𝘬 𝘓𝘪𝘮𝘪𝘵𝘦𝘥 𝘰𝘯 13.01.26.

#PatientZero. 🦁 Wences didn't just build a vault; he set the standard for what secure, regulated #BitcoinCustody looks like long before it was industry standard. Proud to see the @xapobankapp founder recognised for paving the path. We are still building on that vision every day. twitter.com/xapobankapp/status...

1: Constructive discussions were had in London with @hmtreasury and the @cityoflondon Corporation on Xapo Bank's future in the UK. 🏛️🇬🇧 While the world watches global developments, we remain rooted in the unique value proposition we’ve operated since 2013. 🧵👇

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