First Bitcoin-enabled bank to integrate fiat with Bitcoin. Protect and grow your wealth in a USD bank account & enjoy the flexibility of blockchain transactions.
Public Key
npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q Profile Code
nprofile1qqst36le9krkzs34vxnzvf056lk3xahynz4t67kexyq24ppf3l4ktmcpz3mhxue69uhhyetvv9ujuerpd46hxtnfduq3vamnwvaz7tmzd96xxmmfdejhytnnda3kjctvmajg0u
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Published at
2026-02-24T18:41:35Z Event JSON
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Last Notes npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp The 20 millionth #bitcoin has now been mined. Take a second to process that. Over 95% of the total supply is already out in the wild. The final 1 million will take more than a century to trickle out, with the last satoshis expected to be mined around 2140. Scarcity by design. ₿ While this is a massive milestone to celebrate, it also forces us to look at the long-term horizon. We'd love to hear your theories on a few things as we enter this final issuance phase: The Fee Market Transition: As the block subsidy continues to ruthlessly halve, miners will eventually have to rely almost entirely on transaction fees. Will Layer 1 demand naturally drive fees high enough to secure the network, or will Layer 2 volume complicate miner profitability? The Future of Hashrate: What happens to the global hashrate in 20–30 years when the block reward is purely fractional? Does mining eventually become a state-sponsored necessity for sovereign security rather than just a for-profit enterprise? The Psychological Shift: Does crossing the "only 1M left" barrier actually accelerate institutional FOMO, or is this mathematical milestone completely priced in by the market? The "True" Supply: We know millions of BTC are lost forever in early, inaccessible wallets. How do you factor the phantom supply into the terminal value of the remaining 1 million coins? Video credit: Wicked over on X Are the current incentives perfectly engineered for the next century, or will the network have to adapt? Drop your takes below #nostr 👇 https://blossom.primal.net/436f398f48ee06f4203e27dc1abb651f835c37c066890f77b48480fb97f2f8de.mp4 npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Someone just sent 2.56 BTC to Satoshi Nakamoto’s genesis wallet. No message. No explanation. Just pure signal. But why… https://blossom.primal.net/c35716d3c47d14eb0643a4baabe195e73083990e5db5c23056b62dafa765133d.jpg npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp 3 letters... #BTD #Bitcoin OG veterans we can see you smiling! npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp We all know the first rule: Not your keys, not your coins. 🔑 But here is the uncomfortable truth we don't talk about enough: The "Bus Factor." If you disappear tomorrow, can your spouse actually navigate your Cold wallet, passphrase, and steel plates? Or will your stack become part of the estimated 20% of supply lost forever? 📉 Self-custody is freedom. But being the Single Point of Failure for your family's generational wealth is a liability. At Xapo, we aren't replacing your keys. We are offering "Collaborative Sovereignty, for your #Bitcoin" A regulated, secure layer to ensure your legacy survives you, even if your seed phrase doesn't. Diversify your custody. Don't be the bottleneck. https://www.xapobank.com/en/blog/not-your-keys-why-crypto-ownership-evolved npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Nostr is certainly growing much quicker this year we think! npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp "Xapo’s Bitcoin wealth strategy is a good case study of how banks are trying to merge traditional balance-sheet models with a Bitcoin standard... enabling users to manage liquidity, growth, and diversification within a single, regulated ecosystem." Bitcoin is no longer an "alternative asset"; it’s the foundation. 🧱💸 CryptoSlate just released an in-depth look at how we’ve built a "Bitcoin-native wealth ecosystem" for the long-term holder. Here’s why it matters: 👇 https://cryptoslate.com/xapo-banks-bitcoin-wealth-ecosystem-explained/ npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp IYKYK - running #bitcoin We thank you Hal! https://blossom.primal.net/787bed29b92904c337d69c6f39d4fc8001c7371bbc76cc639cfeb07114f822c8.jpg npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp HNY to you too. npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Bitcoin, Gold, Silver, Property? There is only 1 winner right? We are all still very early! Happy new year to you all by the way, our first post of 2026! https://blossom.primal.net/9748cf3898d700c27215b25892544e0a4e4d1b2012ac709a6336c9f3e455ca12.jpg npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Thanks for the mention! npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp For institutions and high-net-worth individuals, securing #Bitcoin's private keys means moving beyond pure cybersecurity and using real-world, multi-layered physical defence systems. The extreme logistics, the remote location, the multiple helicopter flights, the strict no-phone policy highlight a profound level of commitment to eliminating every single point of failure. This is the difference between adequate security and playing a "different game" entirely in the world of high-value Bitcoin custody. Listen to the full episode to hear the full story from Seamus Rocca on the The Pomp Podcast, Hosted by Anthony "Pomp" Pompliano on how this level of physical security is set up to protect digital assets: https://bit.ly/4oLDQ2R And if you want to learn more, deep dive into our multi-layer defences → https://bit.ly/3ZoT6ZQ https://blossom.primal.net/0b77bd8e2a3848b80ba3ba9f7a65453a3038322b40e65d95074d58177c45176c.mp4 npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp That's great to hear and indeed im sure you did plenty of DD. Glad you have become a member.🤝 npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Hope you enjoyed the podcast. Did you learn anything new? npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Your belief is now part of Aston Villa. The winning quotes are officially stitched into the dugout headrests and unveiled by captain John McGinn - a reminder that strong results come from playing the long game. At Xapo bank we bring that same mindset to #Bitcoin: secure, steady, built for the future. #PlayTheLongGame https://blossom.primal.net/8359d88b5a8a035b8c0eca2070741a90ac64da76212ec473e353cedfb6d9a38f.mp4 npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp The latest #Bitcoin crash has been rough, especially for anyone with BTC-backed loans. One thing that helped a lot of our members at Xapo Bank is that we restrict loans to 40% of their Bitcoin’s value – it gives an extra buffer when the market suddenly drops. But even with that, liquidations can still happen if you don’t stay on top of your loan health. We’ve put together a short, practical breakdown of 5 ways to reduce your liquidation risk (things like how much to borrow, keeping spare BTC aside, and reacting quickly when your Loan-to-Value (#LTV) moves). If you’re using your Bitcoin as collateral or thinking about it, this might be useful: 5 ways to protect your Bitcoin from liquidation: https://www.xapobank.com/en/blog/avoid-btc-loan-liquidations npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Miker ser. Thank you for your service. npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp It's what has to be done when working in the UK 🇬🇧 npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp There was a mix of people there for sure. Tradfi people, crypto business owners but also maxis. Next time we have one I'll be sure to introduce you. npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Thanks for the mention. Love #nostr 🫡 npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp It was great to meet you Mike, thanks for coming. npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Just make sure you have a good time Mr Hardcastle and remember to raise a glass for me... npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Haha thanks for that Mike 👊 npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Good question. For fiat FX on card spend we use the card network’s rate with 0% FX fee from us, no hidden markup. For BTC↔USD conversions in-app, we quote you live pricing with a small, transparent spread (around 0.10%) included in the quote, and you see it before you confirm. npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Great to hear this feedback. To be here as long as we have and to have this level of service and keeping it human in an ever changing world 🙏 It's what hopefully sets us apart, well this and the levels of security we go to. #nevent1q…nra6 npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp A wild Friday, a calm plan! ATH >$126k → ~$80k (~-36%), ~-10% on 21 Nov. Feelings were loud; our framework stayed louder. That’s why Xapo Bank runs 40% LTV (vs 50–90% elsewhere): More buffer, lower liquidation risk when it matters. #Bitcoin ⚡️ https://blossom.primal.net/7b9c08216eb6ec85a274709e2219c3ba9c23e0391f0342633027b36e75da2c87.jpg https://blossom.primal.net/c4f1336a80a50bd67ff3723c58243da29be0bea9c4c6872849f98d1a76b30b95.jpg https://blossom.primal.net/bbef84101f1b1cb2a9bd1a6206dec3fd989d5660f23dc12a12c04230c527a092.jpg https://blossom.primal.net/97d3874f34cb31eeba815ac218987a02b5a4eabae2ba895ba45d64755bd9240e.jpg npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Always entertained. And still early... npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Bitcoin #BlackFriday sale: No promo codes. No countdown timers. Just sats 35% off because weak hands panic-dumped again. OGs know the drill: When the fiat world queues for TVs, we quietly stack the hardest money ever created. 🧡🛒 For those of you in your first cycle, perfectly normal #Bitcoin behaviour. npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Someone once said... "Buy when there's blood in the streets, even if it's your own" #Bitcoin OGs know! npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp https://www.youtube.com/watch?v=mGIz5M1hbHY&t=1442s Inside the World’s First #Bitcoin Bank | Seamus Rocca x Alex Tapscott (DeFi Decoded) What does it actually mean to be the world’s first Bitcoin bank? And how do you survive a decade of crypto bull and bear markets without blowing up? In this episode of DeFi Decoded, host Alex Tapscott sits down with Seamus Rocca, CEO of Xapo Bank, to unpack the story behind one of Bitcoin’s earliest and most resilient institutions. They dive into: How Xapo started in 2013 as a Bitcoin wallet and evolved into a fully licensed Bitcoin-first private bank Why founder Wences Casares’ experience in Argentina shaped Xapo’s mission to protect people from inflation, capital controls and banking risk Why Xapo chose to stay Bitcoin-focused while the rest of the industry chased ICOs, NFTs and altcoins How Xapo combines Bitcoin + USD: a US-dollar narrow bank account earning interest alongside deep cold-storage Bitcoin custody Bitcoin as digital gold, reserve asset and base layer vs. the role of stablecoins as payment rails Bitcoin-backed lending: how wealthy Bitcoin holders borrow USD against their BTC without selling their position The rise of Bitcoin ETFs and how they help mainstream adoption while Xapo serves Bitcoiners who still want direct custody and private banking-level service Why Xapo sees itself as the private bank for Bitcoiners as BTC matures into a global reserve asset If you care about Bitcoin’s long-term future, institutional adoption, and what safe Bitcoin banking can look like, this conversation is for you. 🔔 Don’t forget to like, subscribe, and leave a comment: Would you rather hold your BTC in an ETF, self-custody, or with a Bitcoin-first bank like Xapo? Why? Featuring: Host: Alex Tapscott – Co-author of Blockchain Revolution, Co-host of DeFi Decoded Guest: Seamus Rocca – Executive Director & CEO, Xapo Bank Topics: Bitcoin private banking, Bitcoin custody, Bitcoin safety, BTC vs stablecoins, Bitcoin lending, Bitcoin as store of value, digital gold, financial sovereignty, inflation protection, emerging markets, banking innovation. npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp As we bitcoiners say. This is the way... Thanks for the note ser 🫡 #nevent1q…amyy npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Time in the market or timing the market... It's your call! #Bitcoin npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Thank you kind ser 🙏 npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Mike, we would get on over a beer im sure 🍺 npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp https://blossom.primal.net/7b7627d1a9a6ba9df022e95c795c2492579feb799598694b924f8e9c9d489912.jpg https://blossom.primal.net/999a416a45f883643288113065bc36ffe8a8d1b970a4ebdce576e551b7a35b6d.png https://blossom.primal.net/ce675cd606e583ed9e7d3f171ed0f64990f63cfa6d8420b79422ac50df713f5d.jpg 🇦🇷 That’s a wrap on @labitconf 2025! A week of inspiration, discussion, and innovation with some of the brightest minds in the #Bitcoin and digital asset space. Grateful to everyone we met, and proud to be part of a region driving financial transformation in this part of the world. #XapoBank #LABITCONF2025 #XapoEvent npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Thanks. We will take a look. npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp #Bitcoin, cycle vs. cycle, days since halving (latest: Apr 20, 2024). Why now? With $BTC hovering near $100k, context > hot takes. If in doubt, zoom out and compare cycles on equal footing. Here is a great website that shows you this. btc_counterflow thanks 🙏 https://bitcoincounterflow.com/charts/after-halving-comparison/ #BitcoinHalving #BitcoinCycles #Zap #Zaps https://blossom.primal.net/3cc89414cefa706a6015a101dfb67348fac37e843f10e934e2c070c4647d19d0.jpg npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp We are in good company then 🫡 glad to be with others who think the same. npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Yes, you can, note the account is in USD. • Receive EUR via SEPA → it’s converted to USD when it lands. • Send EUR via SEPA from your USD balance → we convert on the way out. So any currency can be used its just it gets auto converted into USD within Xapo and then no exchange fees when you spend as it autoconverts to your own currency. npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Finite supply. Proof-of-work. Low time preference. Buy the dips, ignore the drama. That’s a bitcoiner. But genuinely, anyone who holds bitcoin and is in tune with money, what money is, and bringing power back to the people. npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp https://blossom.primal.net/e60ab746dbd5d6aa52f4c2a8b530503c87ba064cfa02032dd5518c21d361b08f.jpg ⚡ Xapo Bank → LABITCONF ’25, Buenos Aires. Who from #LATAM is rolling in? Drop your npub + city and sync with the guys on the ground IRL. 🇦🇷 npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Hey, yes available in Italy! npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp No we dont. So thanks. Followed. Want to make our timeline full of bitcoiners. No noise. Just signal. npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Which #bitcoiners should we follow that we may not know about? npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp https://blossom.primal.net/ff06dcdc0a5f0a600cb44e8ff39746fd4d564df5c0226cca560195f90381e614.mov Did you see our latest partnership video we did over on our other socials? Quite proud of this. Hopefully, bringing more #Bitcoin adoption to the UK and the rest of the world. #AstonVilla #BitcoinAdoption npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Thank you 🤝 npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Thank you. It's great to be here 🙏 npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp FREEDOM - that's what bitcoin is about! npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Thanks for the welcome ser. npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp We concur! npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Hey nostr 👋 We’re #XapoBank. Old-timers will remember us from 2013: #bitcoiners building for bitcoiners, focused on one thing, keep sats safe and make fiat rails behave when needed. Our ethos: ▪️Bitcoin first, everything else is a rounding error ▪️Security over marketing: mpc key-shares split and geo-distributed; access needs multiple approvals; hardened underground facilities with 24/7 surveillance and armed guards ▪️Conservative risk, plain english, no hype ▪️Self-custody is great, some holders still park part of their stack with a pro for redundancy. we respect both What we’ll post here: ▪️Lessons from a decade+ safeguarding btc (ops hygiene, key management, failure modes) ▪️Bitcoin + banking realities (policy, settlement, liquidity) ▪️Practical ways long-term holders unlock fiat liquidity without selling sats ▪️Signals from the community, not sales Thanks for the warm welcome, great to reconnect with so many ogs. We’re here to listen, share, and keep it orange 🟧 If you have not looked at us in a while then please do @ xapobank.com Looking forward to connecting with you all! #Introductions #Bitcoin #BitcoinBank #Zap #Zaps #Sats ⚡️ https://blossom.primal.net/a34a6df86cf2268d9c89e08211e2e8e58914a103f68edadbc13482c16310556b.jpg npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Thanks guys. Looking forward to being active here. This is the signal right? npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Worldwide. HQ in Gibraltar and passported into the UK. For the US... well watch this space but not currently. npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp #PlayTheLongGame Indeed. You saw our Aston Villa videos this week? npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Had to be 21 🫡 thanks for the zaps ⚡️ npub1hr4ljtv8v9pr2cdxycjlf4ldzdmwfx92h4adjvgq42zznrltvhhsl0lr5q XapoBankApp Thanks Mike for the welcome 🙏