The Bitcoin Bank you control.
Earn, borrow, and hold cash without selling your Bitcoin. Xverse never holds your keys, so it can't freeze your account.
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Bank on Bitcoin
Borrow USDC against your BTC when you need cash, and keep your stack instead of selling it.
Stake BTC to earn BTC rewards, or use Earn to put your stablecoins and other crypto assets to work onchain.
No gatekeepers. No credit scores. No waiting. Onchain lending and borrowing against Bitcoin, self-custodial from start to finish. Connect and go.
Xverse Cash keeps a dollar balance next to your Bitcoin. Fund it with direct bank deposits to your virtual account. Send money globally, and pay over Lightning.
Go long or short on crypto, stocks, FX and commodities, with up to 40x on BTC and low fees. Fund with BTC or USDC.
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The Bitcoin neobank that runs onchain
Banks ask permission. We ask no one. Self-custodial and secure. Built on Bitcoin L1 and L2s.
Public ledgers don't have to mean public lives. Turn on privacy to keep your balances and history to yourself. Reveal what you choose. Shield the rest.
Skip the wait for block confirmations. Xverse connects you to Lightning, Stacks, Starknet and Spark, so payments can settle in seconds.
Don't Trust Blindly. Verify.
Read the code, check the audits, and sign on your own hardware.
See how a self-custodial bitcoin bank works.
Your keys never leave the device. Connect your Ledger or Keystone and unlock the full Xverse stack. Earn yield. Borrow against your BTC. Send payments. Manage your entire portfolio. Every transaction signed on hardware. Nobody can freeze, seize, or access your funds. Not even us.
Secure Bitcoin Banking,
trusted by Millions.
Open your Bitcoin account.
Stop asking for permission. Start earning, spending, and securing your wealth with the only financial platform system built for Bitcoin.
Frequently Asked Questions
What do we mean by a Bitcoin bank?
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A Bitcoin bank is a self-custodial financial platform built directly on Bitcoin that lets you earn, borrow, and spend without giving up control. Unlike traditional banks, a Bitcoin bank operates on code, not trust. With Xverse, you stay self-custodial while accessing real utility and security onchain.
How is Xverse different from traditional neobanks?
Traditional neobanks custody your funds, can freeze accounts, and rely on intermediaries. Xverse is self-custodial and onchain. Your keys control your assets. You get bank-level utility without bank-level risk.
How can I earn yield on Bitcoin?
Xverse enables native, onchain yield through Bitcoin-aligned protocols. Your assets remain under your control while yield is generated automatically. Yield rates are variable and never guaranteed.
Is Xverse secure?
Xverse is built for security from the ground up. It is fully self-custodial, open source, and independently audited. You can also connect hardware wallets like Ledger and Keystone for cold storage. Only you can move your funds.
Do I need to verify my identity to use Xverse?
No. Xverse does not require identity verification to use the wallet. You control your keys and your privacy. Some third-party services, such as fiat onramps or card providers, may have their own requirements.
Can Xverse freeze my account?
No. Xverse cannot freeze accounts, block transactions, or access your funds. There is no central authority with control over your assets. Your money moves only when you authorize it.
Is Xverse free?
Yes. Xverse is free to download and use. You only pay standard network fees when interacting onchain. There are no hidden custody fees or account minimums.
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