Xapo Bank

Founded in 2014, we are the first bank to fully integrate traditional finance with crypto. We offer Bitcoin holders a private, members-only banking experience through a single app. This includes a US Dollar bank account and blockchain payment options.

We help members manage their wealth with services like 3.35% annual interest on USD deposits and up to 4% APY on Bitcoin investments (paid in BTC), both often disbursed daily. We also offer up to 1% BTC cashback on card purchases, international transactions via payment networks and blockchain, and zero-fee pre-approved loans against asset value. Members can also access U.S. Stocks, ETFs, and Altcoins, send and spend globally in major currencies without FX fees, and designate beneficiaries for their Bitcoin.

We provide dedicated relationship managers and use a triple-layered security system, including underground vaults and MPC technology. Our Capital Ratio stands at 396%, and our Liquidity Ratio is 3321%.

Our mission is to protect and grow our members’ wealth by offering a secure, accessible, and flexible crypto-native banking experience. We believe everyone has a right to financial security, regardless of where they live. Our goal is to create new opportunities for Bitcoin users by combining the benefits of traditional banking with the freedom of blockchain.

Our core values are:

• Trust and Transparency: We uphold high ethical standards, honesty, and learn from our mistakes.
• Inclusivity Without Borders: Our global team reflects our belief in equal financial access for people everywhere.
• Personal Empowerment: We encourage employees to be resourceful, exceed expectations, and solve challenges creatively.

We are a fully remote, globally distributed company with 201-500 employees from diverse backgrounds. Our culture encourages varied perspectives and innovation, valuing every idea. We prioritize diversity, respect, and professionalism to create a comfortable and welcoming environment. We empower employees to manage their own schedules, supporting work-life balance. We also support career growth by providing personalized budgets for courses, books, and conferences.

We offer employees:

• The flexibility to work 100% remotely from anywhere in the world.
• A flexible paid time off (PTO) plan, including 35 days of annual leave.
• A yearly budget for individual learning and development, covering courses, books, and certifications.
• Autonomy balanced with collaborative teamwork and a strong focus on work-life balance.
• Opportunities for growth within a high-performance team, allowing you to contribute to global impact and shape product outcomes.
• A commitment to fair treatment, transparency, and ethical conduct with customers and stakeholders.