Live on Bitcoin.
Stay Sovereign.
Now on Desktop.

Earn, borrow, and spend 24/7 with true onchain banking that can't freeze your account or touch your keys.

Download for Mobile
Trusted by nearly 2,000,000 users
xverse Desktop Wallet

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Bankless
TheStreet
CoinGecko
Nasdaq
Yahoo Finance
CoinDesk
Bitcoin Magazine
TechCrunch
Bankless

Bank on Bitcoin

Hold Bitcoin and spend cash.

Hold your Bitcoin. Borrow cash against it. Spend without selling. Your BTC stays put and keeps compounding.

Bitcoin

Earn up to 6% on your cash.

Up to 6% APY on your cash. No lock-ups. No minimums. Money that grows while you sleep.

BTC Interest

Borrow and lend. No approval delays.

No gatekeepers. No credit scores. No waiting. Onchain lending and borrowing, self-custodial from start to finish. Connect and go.

Borrow and Lend

Send and receive fiat. Near-zero fees.

A virtual account that works anywhere. Pay bills, receive payments, move money globally. No spread. No hidden fees. Just the transfer.

Send and Receive

Don't Trust Blindly. Verify.

Banks ask permission. We ask no one. Self-custodial. Onchain. Built on Bitcoin L1 and L2s.

Connect your Ledger. Bank-grade security.

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.

Ledger and Keystone Hardware Wallets

Open source. Publicly audited. View Security & Audits →

Secure Onchain Banking.

Verified by Millions

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.

Eli Ben-Sasson Eli Ben-Sasson
★★★★★

Xverse is the very best Bitcoin wallet, has mass adoption and is doing it on a grand scale in the best possible way in terms of UX and security.

CoinGecko CoinGecko
★★★★★

The smooth user friendly interface makes it an easy experience for both beginners and crypto natives.

Google Play Josh Slater
★★★★★

It's non custodial, meaning you have control over your funds. I've been earning Bitcoin passively.

David Marcus David Marcus
★★★★★

Xverse is one of the most successful Bitcoin wallets in the world.

Chrome Arifin Putro
★★★★★

Security matters. Choose Xverse!

Apple Zefren Edior
★★★★★

Amazing product to use on iPhone. Updates are great!

Frequently Asked Questions

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 Bitcoin bank operates on code, not trust. With Xverse, you stay self-custodial while accessing real utility and security onchain.

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.

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.

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.

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.

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.

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.

Ready to go sovereign?

Join nearly 2 million users who trust xverse to manage their Bitcoin. Download now and take control of your financial future.