Xapo

Xapo is a fully licensed digital retail banking group that integrates traditional finance with cryptocurrency. Founded in 2013 and headquartered in Gibraltar, the firm describes Xapo Bank as the world's first Bitcoin-enabled bank. It employs over 130 people, with team members spread across more than 30 countries.

The company's product line spans Bitcoin and USD holdings, interest accounts paid in Bitcoin, Bitcoin-backed loans, a global debit card offering up to 1% uncapped Bitcoin cashback, and access to US stocks and ETFs. Underpinning these services is a security architecture combining underground vaults with multi-party computation (MPC) technology and triple-layered protection - an approach that has earned the storage business the nickname 'Fort Knox of Crypto'.

Technical work at Xapo covers Bitcoin custody and secure storage, MPC technology, blockchain and cryptocurrency systems, cybersecurity and vault security, and digital retail banking technology. Other areas of activity include retail banking, wealth management, lending, payments and investment services.

The workforce is fully distributed and remote-first, spanning 30+ countries, and organised around what the company calls 'borderless financial freedom'. The firm has spent over a decade refining secure Bitcoin storage since its founding in 2013.