Earn, borrow, and spend 24/7 with true onchain banking that can't freeze your account or touch your keys.
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Hold your Bitcoin. Borrow cash against it. Spend without selling. Your BTC stays put and keeps compounding.
Up to 6% APY on your cash. No lock-ups. No minimums. Money that grows while you sleep.
No gatekeepers. No credit scores. No waiting. Onchain lending and borrowing, self-custodial from start to finish. Connect and go.
A virtual account that works anywhere. Pay bills, receive payments, move money globally. No spread. No hidden fees. Just the transfer.
Banks ask permission. We ask no one. Self-custodial. Onchain. Built on Bitcoin L1 and L2s.
Public ledgers don't have to mean public lives. Toggle privacy on to route transactions through opaque Bitcoin layers. Your financial history stays yours. Reveal what you choose. Conceal the rest.
Stop waiting for block confirmations. Xverse connects you to Starknet, Stacks, and Spark. The full security of Bitcoin L1 with the speed of a global payment network.
Banks ask permission. We ask no one. Self-custodial. Onchain. Built on Bitcoin L1 and L2s.
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.
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Traditional banks rely on trust. We rely on truth. Experience the security of a Swiss vault with the velocity of Layer 2s. No branches. No bankers. No permission.
Stop asking for permission. Start earning, spending, and securing your wealth with the only financial operating system built for Bitcoin.
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 Bit coin 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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