Xverse DeFi Bank
Earn yield, borrow against your holdings, and spend onchain without ever handing over your keys. Xverse gives you full banking utility and full control. Available on Android, iOS, and Chrome.
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Full Banking Utility. Full Self-Custody.
Xverse is a self-custodial DeFi bank that lets you earn, borrow, and spend without intermediaries. Unlike traditional banks, Xverse operates entirely onchain. Your private keys stay on your device. No intermediary can freeze your account, block a transaction, or access your funds.
Generate native yield on Bitcoin and stablecoins, borrow against your holdings through the Xverse Card, swap tokens, and manage assets across Bitcoin L1 and layer-2 networks including Stacks, Starknet, and Spark. All from one app, on any device, 24/7.
Put Your Assets to Work, On Your Terms
Turn static assets into active capital. Xverse lets you generate native onchain yield on Bitcoin and stablecoins through Bitcoin-aligned protocols, and it compounds automatically without intermediaries or downtime.
You can stack STX tokens to earn BTC rewards through Xverse's delegated, non-custodial stacking pool. The minimum is 500 STX, your tokens never leave your wallet, and BTC rewards are distributed at the end of every two-week cycle.
You can also earn BTC yield by staking through the BOB (Build on Bitcoin) protocol via Xverse Earn, and browse positions and strategies with full visibility into APY and TVL before committing.
Borrow and Spend. Never Sell.
Most people sell their crypto to spend it. The Xverse Card lets you spend stablecoins directly or borrow against your Bitcoin to unlock liquidity while keeping your position intact. Your stack stays whole, you skip the taxable sell event, and you still get to use your money in the real world.
The Xverse Card is currently in limited early access.
Sign Offline. Manage Everything from Xverse
Keep your keys on a hardware device while managing your full portfolio through Xverse. Connect your Ledger or Keystone signing device to store your private keys completely offline, adding a layer of protection that software alone cannot match.
You get the speed and usability of Xverse's interface with the cold storage security of dedicated hardware. Both Xverse and the hardware wallets are non-custodial, so your keys are only ever accessible to you. Trezor support is coming soon.
The Entire Bitcoin Economy on Your Screen
BitcoinFi is growing fast, but using it still means juggling dozens of apps, bridges, and interfaces. Xverse pulls it together.
BTC on the base layer or Bitcoin L1. sBTC, STX and DeFi protocols on Stacks. Stablecoins, swaps, and lending on Starknet along with private Bitcoin swaps and yield earning. Additional yield strategies on BOB and Mezo.
Each layer adds capability, and Xverse brings them all into a single portfolio view. Swap tokens, earn yield, borrow against your coins, and track your full net worth in one place.
Frequently Asked Questions
What is a DeFi bank?
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A DeFi bank is a self-custodial financial platform that lets you earn, borrow, and spend without relying on traditional financial institutions, as everything runs onchain. With Xverse, you get banking utility while keeping full control of your private keys. Your assets stay in your wallet at all times.
How does a DeFi bank work?
Xverse connects you to Bitcoin Layer 2 networks like Stacks, Starknet, and Spark, giving you access to financial services that run entirely onchain. You can earn yield on BTC and stablecoins, borrow stablecoins against your Bitcoin without selling, swap assets across networks, and spend with the Xverse Card. Every transaction is executed through smart contracts with no intermediary holding your funds.
Does Xverse offer a crypto debit card?
Yes. The Xverse Card lets you spend stablecoins or borrow against Bitcoin for real-world purchases. Your holdings stay in your self-custodial wallet, so you keep your position intact while accessing liquidity. You can join the waitlist for Xverse Card directly in the app.
Can I earn yield on Bitcoin with Xverse?
Yes. Xverse Earn lets you generate native yield on your Bitcoin and stablecoins through protocols on Bitcoin Layer 2 networks. Your assets remain self-custodial throughout the process. Yields are variable and depend on the protocol and asset.
Can I get a crypto loan on Xverse?
Yes. Xverse Borrow lets you lock Bitcoin as collateral and draw stablecoins against it. You access liquidity without selling your position or triggering a taxable event. Your keys remain in your control the entire time, and you repay on your own terms.
Can Xverse freeze my account or block transactions?
No. Xverse is a self-custodial platform, which means only you hold your private keys. There is no central authority that can freeze, restrict, or seize your assets. Your funds are secured by the Bitcoin network and the Layer 2 protocols you interact with, not by Xverse.
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