Earn Bitcoin every single day on your idle cash. Xapo Bank USD Savings pays new members 4.6% APY (variable) for 90 days, then 4.1% (variable), paid daily, in Bitcoin. Stablecoins auto-convert to USD on deposit. Your cash is protected up to £120k equivalent with no lock-up. 👉 bit.ly/47dpm5v

Bitcoin crossed $86,000 this week. That’s the obvious headline. The more interesting story is what’s being built around it. Standard Chartered earlier this month brought institutional solana:E4Ap4icMLwKot8rkkTbq5JkS5kZxt5XCE3yfxbzYBjHx spot trading onto the same familiar electronic trading rails used by its institutional clients in the UAE. Deutsche Bank is preparing regulated Bitcoin custody for institutional and corporate clients in Europe. And Coinbase has just added fixed-rate Bitcoin-backed borrowing, alongside a variable-rate loan product that already has more than $1.4 billion outstanding. Against that backdrop, a few points @dieguito made at the @xapobankapp Summit feel increasingly relevant. 1. Bitcoin is not only an asset. It is infrastructure. Diego described Bitcoin as both an asset and a form of decentralized security and trust infrastructure. The bigger opportunity is not simply holding BTC, but extending that security into a broader financial system. 2. Bitcoin’s security can become economically useful beyond Bitcoin transactions. Rootstock is merge-mined, which means activity on Rootstock generates fees for Bitcoin miners. Diego’s longer-term vision goes further: settlement networks and financial infrastructure using Bitcoin’s security, with economic value flowing back to the miners securing it. 3. Credit could be one of the biggest unlocks. As liquidity and capital deepen, Bitcoin-backed credit can become more efficient, more programmable and easier for institutions to access. The market is already beginning to move in that direction. 4. Mass adoption may not look like “crypto adoption.” Diego’s five-year view was what he called “fintech 2.0”: institutions and companies packaging this infrastructure into products that are simple enough for people to use without needing to understand what sits underneath them. That may be the bigger shift to watch. Not simply how many institutions own Bitcoin. But how many start building financial products, credit markets and settlement infrastructure around it. That’s where Bitcoin starts moving from an asset institutions hold to infrastructure they actually use. Full discussion: piped.video/watch?v=yTlK4F_y…

Most people bank where they live when they open an account. What happens when you move? 7 Oct, 4 PM UTC+1: Hessel Broekstra and our new head of content @rkbaggs 👇 Put it in your calendar luma.com/by42ggmt

Where does your Bitcoin actually sit when it's in Xapo? 🔒 Segregated. 1:1. Fully accountable. No commingling, no rehypothecation, no "trust me bro." Just Bitcoin held the way it should be. Full breakdown in the video 👇 piped.video/h5TMwEbyrzM

This is what OG looks like. 🧡 POV: our founder hands you a debit card loaded with 2 BTC and says "go spend it", 12 years before anyone knew what that would be worth. @MateTokay was one of the first humans on earth to hold a Xapo card, and Wences was out here funding demos with actual Bitcoin like it was pocket change. 2 BTC. For a card test. Try not to think about today's price. 😅 Respect to the real ones who were here before "number go up" was even a meme. Check the video he shared 👇

The next generation of bitcoin:native credit won’t come from copy-pasting TradFi. Tommy Doyle’s (@xapobankapp) point is simple: keep the parts that work, then redesign the rest around what Bitcoin makes possible 👇

Same trades. Safer ground. #DCA on autopilot with Xapo’s recurring buys. Your USD keeps earning* right up until you set up your recurring buy, 0.29% spread, no added fee. → xapobank.com/en/blog/bitcoin… Name your price. Set a limit order once and wait until the market comes to you.

Will Bitcoin's Future Mirror the Internet? Understanding the different perspectives on how the Bitcoin network is evolving. Catch the full panel session on our YouTube channel piped.video/yTlK4F_yJBs

Thanks @franberlinv - We remember and thank you for your service!

Do you have a feeling that this time it could be different?

Thank you, @xapobankapp.

OGs will remember: Xapo was doing Bitcoin cards before it was a checkbox on every fintech's roadmap. Wences built this bank for Bitcoiners who wanted more than promises. Moments like this are the proof. Thanks for sharing @LXunchained, welcome to Xapo!

Bitcoin companies don’t need hand‑wringing, they need competence. Xapo Bank’s been delivering that since 2013. Joey expands on the model in his LinkedIn piece, worth your time.👇

Will Digital Agents Need Bitcoin? Here we have @bitcoinpolicy @BitcoinConner "The internet is about to be flooded with trillions of digital agents that will need a native currency to transact." What will they use? Find out why it could be Bitcoin in the full panel session on our YouTube channel - piped.video/yTlK4F_yJBs

PlanB’s chart captures what many long‑term Bitcoin observers are seeing: Realised‑price floors rising across every major cohort. Structural demand continues to deepen, an important signal for anyone managing Bitcoin reserves.

Gradually and then suddenly...

This is the way...

Every friend you bring in is one more person taking control of their money with Bitcoin. 🇬🇧 UK members: refer a friend to @XapoBankApp, and when they become a paid member and complete the 33-day validation period, you'll both get $500 USD. No caps. No minimum balance. Just Bitcoin-native banking, built for people who get it. Grab your non-expiring #referral link in the latest app version 👇 bit.ly/4gbJnil 𝘉𝘰𝘵𝘩 𝘢𝘤𝘤𝘰𝘶𝘯𝘵𝘴 𝘮𝘶𝘴𝘵 𝘳𝘦𝘮𝘢𝘪𝘯 𝘢𝘤𝘵𝘪𝘷𝘦 & 𝘪𝘯 𝘨𝘰𝘰𝘥 𝘴𝘵𝘢𝘯𝘥𝘪𝘯𝘨. 𝘜𝘒 𝘳𝘦𝘴𝘪𝘥𝘦𝘯𝘵𝘴 𝘱𝘢𝘪𝘥 𝘪𝘯 𝘜𝘚𝘋. 𝘚𝘶𝘣𝘫𝘦𝘤𝘵 𝘵𝘰 𝘦𝘭𝘪𝘨𝘪𝘣𝘪𝘭𝘪𝘵𝘺 𝘤𝘳𝘪𝘵𝘦𝘳𝘪𝘢 & 𝘵𝘦𝘳𝘮𝘴 𝘰𝘯 𝘰𝘶𝘳 𝘸𝘦𝘣𝘴𝘪𝘵𝘦. 𝘐𝘯𝘧𝘰 𝘴𝘶𝘣𝘫𝘦𝘤𝘵 𝘵𝘰 𝘤𝘩𝘢𝘯𝘨𝘦. 𝘉𝘢𝘯𝘬𝘪𝘯𝘨 𝘴𝘦𝘳𝘷𝘪𝘤𝘦𝘴 𝘱𝘳𝘰𝘷𝘪𝘥𝘦𝘥 𝘣𝘺 𝘟𝘢𝘱𝘰 𝘉𝘢𝘯𝘬 𝘓𝘪𝘮𝘪𝘵𝘦𝘥, 𝘳𝘦𝘨𝘶𝘭𝘢𝘵𝘦𝘥 𝘢𝘴 𝘢 𝘊𝘳𝘦𝘥𝘪𝘵 𝘐𝘯𝘴𝘵𝘪𝘵𝘶𝘵𝘪𝘰𝘯 𝘣𝘺 𝘵𝘩𝘦 𝘎𝘍𝘚𝘊 (𝘗𝘦𝘳𝘮𝘪𝘴𝘴𝘪𝘰𝘯 𝘕𝘰. 23171), 𝘰𝘱𝘦𝘳𝘢𝘵𝘪𝘯𝘨 𝘦𝘹𝘤𝘭𝘶𝘴𝘪𝘷𝘦𝘭𝘺 𝘧𝘳𝘰𝘮 𝘎𝘪𝘣𝘳𝘢𝘭𝘵𝘢𝘳. 𝘕𝘰𝘵 𝘢𝘷𝘢𝘪𝘭𝘢𝘣𝘭𝘦 𝘸𝘩𝘦𝘳𝘦 𝘱𝘳𝘰𝘩𝘪𝘣𝘪𝘵𝘦𝘥. 𝘜𝘯𝘴𝘰𝘭𝘪𝘤𝘪𝘵𝘦𝘥 𝘢𝘤𝘤𝘦𝘴𝘴.

Institutional Bitcoin adoption is shifting from "if" to "how." Glad our own Alex Ithier (Senior Relationship Manager, Institutional Sales) will be at @BtcCorpDay London 🇬🇧2026 by Bitwise this September. If you're there and want to talk institutional Bitcoin strategy, find him!

And thats just how we do it. #UpTheVilla 🫡