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Xapo Bank Opens BTC-Based Earnings Product to All Members After Completing $100 Million Init
Funding Round
Yudanil | Approved 2025.11.26 22:52 | Comments 0 V T I A f n
Driven by strong initial demand, we are now offering BTC credit yield products with institutional-grade lending and Gibraltar regulatory approval
to all eligible members.
AFFILIATE
SPONS
Gibraltar, November 26, 2025 – Xapo Bank has opened its
BTC Credit Fund, a Bitcoin (BTC)-backed asset management
solution, to all eligible members. This new product generates
income by allowing members to securely participate in
institutional lending markets with their Bitcoin.
This new product joins Xapo Bank's existing wealth management portfolio, which focuses on Bitcoin and US dollar
deposit accounts. It maintains the stability and simplicity of Xapo's product line while providing members with new
options to grow their assets. The initial pre-launch round alone secured $100 million in member allocations,
demonstrating strong market demand.
From pilot to full launch
The launch of this product was part of a multi-year development and validation program. It was first unveiled in
2024 through a strategic investment partnership with Hilbert Group, and raised over $200 million in seed funding
from Xapo Bank and other investors.
Xapo Bank further secured full regulatory approval from the Gibraltar authorities earlier this year, demonstrating its
compliance with the highest regulatory and supervisory standards. Building on this achievement, Xapo Bank has
now expanded the product to all eligible members. This development demonstrates both the maturity of the
product and Xapo Bank's position within the regulatory environment.
“This new product launch is another important milestone in our vision to build a digital asset ecosystem for Bitcoin
holders,” said Seamus Rocca, CEO of Xapo Bank. “From lending to deposits, Xapo has taken a step-by-step
approach to providing more ways to manage and grow Bitcoin within a secure banking framework.”
A "Safe Design Profit Structure" for Long-Term Bitcoin Holders
This BTC Credit Fund was developed in accordance with Xapo Bank's core operating principles: "Security First,
Revenue Model by Design." Members' Bitcoin deposits are managed through a complete institutional-grade credit
process, and all lending opportunities are approved after rigorous due diligence by Hilbert Capital's investment
committee.
Exposure risk is continuously monitored throughout the loan lifecycle and managed within an overall risk
framework. The strategy is based on borrowers with strong capital, short-term operations, low risk appetite, and no
leverage. This structure aims to minimize unnecessary market and credit risks while delivering stable, adjusted
returns for long-term holders.
“Xapo Bank’s philosophy of uncompromisingly protecting Bitcoin since 2013 remains unchanged,” said Tommy
Doyle, Global Head of RM at Xapo Bank. “The Xapo BTC Credit Fund is a stable income model for long-term BTC
holders and fits perfectly with our existing Bitcoin-based asset management product line.”
The expanding Xapo digital asset ecosystem
This product represents the next step in Xapo Bank's evolving asset management and deposit ecosystem. It
complements Xapo's Bitcoin deposit account offering and builds on its existing Bitcoin collateralized lending service
(enabling liquidity without selling BTC holdings), providing members with the flexibility to manage liquidity, growth,
and diversification within a single regulated ecosystem.
This structure combines the security of the traditional banking system with the innovation of Bitcoin finance,
reflecting Xapo Bank's strategy of focusing on long-term, stable growth.
※ Notice regarding precautions and regulations
Eligibility requirements may vary depending on individual circumstances and may include minimum investment
amounts or a suitability assessment.
This material is available to professional clients or qualified counterparties only in the UK.
Xapo Bank Limited is a credit institution authorised by the Gibraltar Financial Services Commission (GFSC)
(Permission No. 23171).
Cryptocurrency services are provided by Xapo Vasp Limited and are not currently regulated in the UK.
The Xapo BTC Credit Fund is a mutual fund authorised in the Cayman Islands (Ref No. 2135151) and managed by
Hilbert Capital.
Bitcoin collateralised loans are not available in the UK or Australia.
Investments in the BTC Credit Fund involve the risk of loss of principal and returns are not guaranteed.
Bitcoin deposits are not covered by the Gibraltar Deposit Guarantee Scheme.
Copyright © Korea IT Times. Unauthorized reproduction and redistribution prohibited.
Yudanil
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