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Xapo Bank
xapobank.comSummary
Xapo Bank is a regulated financial institution that allows users to manage Bitcoin and US Dollars. It provides secure storage for Bitcoin, enables buying, selling, and spending of Bitcoin, and offers interest-earning opportunities on both Bitcoin and USD. Users can also access their funds globally via ATM with their Xapo Bank card.
Feature Matches3/12
See all3/12
Must Have
1 of 5
Bitcoin Trading
Instant P2P Transfers
Prepaid Debit Card (Cash App Card)
Early Direct Deposit
Commission-Free Stock Trading
Other
2 of 7
Fraud Monitoring & Security
ATM Access & Fee Reimbursement
High-Yield Savings
Round-Up Savings
Pay Over Time (Afterpay)
Instant Discounts & Offers
Customizable Card Designs
PricingSubscription
See allSubscription
Membership
$1,000.00 yearly
- Unparalleled Bitcoin security (military-grade Vault, decentralised MPC technology, global network of hidden bunkers, regulated bank and VASP status, routine audits, large-scale Bitcoin reserve, segregation of funds)
- Effortless transactions (buy, send, and spend Bitcoin)
- Near-instant transactions
- Access BTC balance at any ATM worldwide with Xapo Bank card
- Earn 0.5% APR on BTC
- Earn 3.9% APR on USD
- Access to global financial markets (S&P 500 and NASDAQ)
- Personalised service with dedicated bankers
- Hardware security key for BTC Vault control
- Fiat deposits protected by EUR 100,000 Deposit Guarantee Scheme
- App not available on iOS in some regions
Rationale
Xapo Bank is a regulated bank focused on Bitcoin and USD management. It offers Bitcoin buying, selling, and holding, which aligns with 'Bitcoin Trading'. The website emphasizes 'Unparalleled security' and 'best-in-class protections', indicating 'Fraud Monitoring & Security'. They explicitly mention 'Earn interest on your Bitcoin, paid every day' and '3.9% APR on your USD', which matches 'High-Yield Savings'. Furthermore, the 'Transact' page states 'access your BTC balance at any ATM worldwide with your signature Xapo Bank card', covering 'ATM Access & Fee Reimbursement'. However, it does not offer peer-to-peer transfers in the same way Cash App does, nor does it mention early direct deposit or commission-free stock trading.
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Reddit·tech_enthusiast·2d ago·+142
I've been using Alternative A for 6 months now and it's been fantastic. The pricing is much better and the features are actually more robust than what [Product] offers.
Show HN: We built a better [Product]
Hacker News·startup_founder·5d ago·+89
After struggling with [Product]'s limitations, we decided to build our own solution.
It handles edge cases much better and the API is actually documented properly.
Check it out at our site.
[Product] vs Competitor B - which one should I choose?
Reddit·confused_buyer·Oct 14·+67
Honestly, after trying both, Competitor B wins hands down. Better customer support, cleaner interface, and they don't nickel and dime you for every feature.
Why we migrated away from [Product]
Hacker News·cto_mike·Oct 11·+234
The breaking point was when they changed their API without notice. We lost 3 days of productivity. Solution C has been rock solid for us since we switched.