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Xapo Bank
b8ebf92d8761423561a62625f4d7ed1376e498aabd7ad93100aa84298feb65ef
First Bitcoin-enabled bank to integrate fiat with Bitcoin. Protect and grow your wealth in a USD bank account & enjoy the flexibility of blockchain transactions.

Bitcoin, Gold, Silver, Property?

There is only 1 winner right?

We are all still very early!

Happy new year to you all by the way, our first post of 2026!

Wanna short the #confetti #money system by buying more #Bitcoin with a #Bitcoin backed loan that does not require any payment for an entire year and can be paid back at any time without penalty?

👉 #Ledn 👈

➡️ 10.40% APR (10.15% with referral)

➡️ 2% admin fee

➡️ Initial LTV of 50% (fixed)

➡️ Margin Call at 70% / Liquidation at 80%

➡️ Collateral Auto-Top Up Feature (!)

➡️ Additional B2X type of loan that doubles your #Bitcoin provided as collateral by adding those #Bitcoin to your collateral balance

👉 #Strike | nostr:nprofile1qy2hwumn8ghj7etyv4hzumn0wd68ytnvv9hxgqgdwaehxw309ahx7uewd3hkcqpqex7mdykw786qxvmtuls208uyxmn0hse95rfwsarvfde5yg6wy7jqjrm2qp 👈

➡️ Starting at 13% APR (tiered)

➡️ No admin / origination fee

➡️ Initial LTV of 50% (or less)

➡️ Margin Call at 70% / Liquidation at 85% (!)

👉 #Xapo #XapoBank | nostr:nprofile1qyt8wumn8ghj7cnfw33k76twv4ezuum0vd5kzmqpp4mhxue69uhkummn9ekx7mqqyzuwh7fdsas5ydtp5cnztaxha5fhdeyc427h4kf3qz4gg2v0adj773syn2m 👈

➡️ 10.50% APR

➡️ No admin / origination fee

➡️ Initial LTV of 40, 30 or 20% (selectable)

➡️ Margin Call at 65% / Liquidation at 80%

➡️ $1,000/year membership fee (effectively 1/2 in the 1st year with referral)

➡️ Lots of other benefits (like savings accounts & card with cashback in #Bitcoin; it's a real bank based in Gibraltar providing a USD account with deposit insurance and multiple on/off ramps including SEPA, ACH and SWIFT in your name)

DISCLAIMER: I'm using all three of them and very much like them all. Best overall deal is with nostr:nprofile1qyt8wumn8ghj7cnfw33k76twv4ezuum0vd5kzmqpp4mhxue69uhkummn9ekx7mqqyzuwh7fdsas5ydtp5cnztaxha5fhdeyc427h4kf3qz4gg2v0adj773syn2m, depending on the loan amount. Not financial advice. Not your keys not your coins!

https://learn.ledn.io

https://invite.strike.me/0MWBD0

https://application.xapo.com/membership-application?ref=KAE-RQE-SH

Thanks for the mention!

For institutions and high-net-worth individuals, securing #Bitcoin's private keys means moving beyond pure cybersecurity and using real-world, multi-layered physical defence systems.

The extreme logistics, the remote location, the multiple helicopter flights, the strict no-phone policy highlight a profound level of commitment to eliminating every single point of failure.

This is the difference between adequate security and playing a "different game" entirely in the world of high-value Bitcoin custody.

Listen to the full episode to hear the full story from Seamus Rocca on the The Pomp Podcast, Hosted by Anthony "Pomp" Pompliano on how this level of physical security is set up to protect digital assets: https://bit.ly/4oLDQ2R

And if you want to learn more, deep dive into our multi-layer defences → https://bit.ly/3ZoT6ZQ

https://blossom.primal.net/0b77bd8e2a3848b80ba3ba9f7a65453a3038322b40e65d95074d58177c45176c.mp4

Your belief is now part of Aston Villa. The winning quotes are officially stitched into the dugout headrests and unveiled by captain

John McGinn - a reminder that strong results come from playing the long game.

At Xapo bank we bring that same mindset to #Bitcoin: secure, steady, built for the future.

#PlayTheLongGame

https://blossom.primal.net/8359d88b5a8a035b8c0eca2070741a90ac64da76212ec473e353cedfb6d9a38f.mp4

The latest #Bitcoin crash has been rough, especially for anyone with BTC-backed loans.

One thing that helped a lot of our members at Xapo Bank is that we restrict loans to 40% of their Bitcoin’s value – it gives an extra buffer when the market suddenly drops. But even with that, liquidations can still happen if you don’t stay on top of your loan health.

We’ve put together a short, practical breakdown of 5 ways to reduce your liquidation risk (things like how much to borrow, keeping spare BTC aside, and reacting quickly when your Loan-to-Value (#LTV) moves).

If you’re using your Bitcoin as collateral or thinking about it, this might be useful:

5 ways to protect your Bitcoin from liquidation:

https://www.xapobank.com/en/blog/avoid-btc-loan-liquidations

🌐 Our member nostr:nprofile1qqst36le9krkzs34vxnzvf056lk3xahynz4t67kexyq24ppf3l4ktmcpzemhxue69uhky6t5vdhkjmn9wgh8xmmrd9skcqgdwaehxw309ahx7uewd3hkcv4xm38 is now on Nostr!

⛓️‍💥 Nostr is a decentralised, permissionless communication protocol, with built-in features such as “zaps” powered by the #Bitcoin Lightning Network.

➡️ If you are on Nostr, give Xapo a follow:

https://primal.net/e/nevent1qqsgwcv8nhc3lxcx35kv2cj80kzvcm70m5hdy79kdhy7d2h6l57yd7ckjayfe

#Nostr

Thanks for the mention. Love #nostr 🫡

It was great to meet you Mike, thanks for coming.

Just make sure you have a good time Mr Hardcastle and remember to raise a glass for me...

Good question. For fiat FX on card spend we use the card network’s rate with 0% FX fee from us, no hidden markup. For BTC↔USD conversions in-app, we quote you live pricing with a small, transparent spread (around 0.10%) included in the quote, and you see it before you confirm.

Had a lovely video chat with my nostr:nprofile1qyt8wumn8ghj7cnfw33k76twv4ezuum0vd5kzmqpp4mhxue69uhkummn9ekx7mqqyzuwh7fdsas5ydtp5cnztaxha5fhdeyc427h4kf3qz4gg2v0adj773syn2m account manager yesterday. Having accounts at numerous institutions, where you are just a number and have to rely on #AI chat bots and call centers, what a welcome change.

#Xapo #XapoBank, where #Bitcoin meets #TradFi #Banking. 👍

Great to hear this feedback. To be here as long as we have and to have this level of service and keeping it human in an ever changing world 🙏

It's what hopefully sets us apart, well this and the levels of security we go to.

nostr:nevent1qqs86ygchdll7cmxdl7aw3hwcqsjy3jlupz777ecl86wyru4lgwej2qzyzgxj5evu658ygek00asfx6cy9nyd2zpt2yt23jnn4hl4ghwkgdf5qcyqqqqqqgf8nra6

A wild Friday, a calm plan!

ATH >$126k → ~$80k (~-36%), ~-10% on 21 Nov.

Feelings were loud; our framework stayed louder. That’s why Xapo Bank runs 40% LTV (vs 50–90% elsewhere):

More buffer, lower liquidation risk when it matters.

#Bitcoin ⚡️

Bitcoin #BlackFriday sale:

No promo codes.

No countdown timers.

Just sats 35% off because weak hands panic-dumped again.

OGs know the drill:

When the fiat world queues for TVs, we quietly stack the hardest money ever created. 🧡🛒

For those of you in your first cycle, perfectly normal #Bitcoin behaviour.