Xapo

Xapo Bank is a members-only private bank and Bitcoin custodian founded in 2013, combining regulated fiat banking with institutional-grade Bitcoin custody in a single app. Members earn interest on Bitcoin and USD balances, borrow against Bitcoin without selling, invest in US stocks and ETFs, and transact globally in multiple currencies. Xapo Bank Limited is regulated by the Gibraltar Financial Services Commission as a credit institution (Permission No. 23171), with Xapo VASP Limited licensed as a DLT Provider (Permission No. 26061). The company publishes SOC 2 Type II / SOC 3, PCI DSS, and GDPR compliance claims but operates app-only today, with no public developer API or portal; legacy Xapo Bitcoin API SDKs remain on PyPI and RubyGems from its pre-bank wallet era.

Xapo is profiled on the APIs.io network. Tagged areas include Company, Crypto, Bitcoin, Banking, and Custody.

Xapo’s developer surface includes support, engineering blog, pricing, signup flow, and 16 more developer resources.

🌐 Visit website 📡 Source on GitHub
22.2/100 emerging Agent 7/100 human only Full breakdown ↓
scored 2026-07-21 · rubric v0.4
0 APIs 0 Features
CompanyCryptoBitcoinBankingCustodyPaymentsWealth ManagementFintech

API Rating

API Evangelist API Evangelist Rating How this is scored →
scored 2026-07-21 · rubric v0.4
Composite quality — 22.2/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 12.1 / 20
Operational Transparency 2.1 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Agent readiness — 7/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 3 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/xapo: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Resources

Get Started 1

Portal, sign-up, and the first successful call

SignUp
SignUp

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown
WellKnown
 LLMsTxt
LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance
Conformance

Build 2

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization
 Packages
Packages

Access & Security 6

Authentication, authorization, and security posture

VulnerabilityDisclosure
VulnerabilityDisclosure
 DomainSecurity
DomainSecurity
 Security
Security
 Compliance
Compliance
 TrustCenter
TrustCenter
 SecurityTxt
SecurityTxt

Operate 2

Status, limits, changes, and where to get help

Support
Support
 HelpCenter
HelpCenter

Commercial 3

Pricing, plans, and the legal terms of use

Pricing
Pricing
 TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 3

The organization behind the API

Website
Website
 Blog
Blog
 BlogRSS
BlogRSS

Source (apis.yml)

apis.yml Raw ↑ 
aid: xapo
name: Xapo
description: Xapo Bank is a members-only private bank and Bitcoin custodian founded in 2013, combining regulated fiat banking
  with institutional-grade Bitcoin custody in a single app. Members earn interest on Bitcoin and USD balances, borrow against
  Bitcoin without selling, invest in US stocks and ETFs, and transact globally in multiple currencies. Xapo Bank Limited is
  regulated by the Gibraltar Financial Services Commission as a credit institution (Permission No. 23171), with Xapo VASP
  Limited licensed as a DLT Provider (Permission No. 26061). The company publishes SOC 2 Type II / SOC 3, PCI DSS, and GDPR
  compliance claims but operates app-only today, with no public developer API or portal; legacy Xapo Bitcoin API SDKs remain
  on PyPI and RubyGems from its pre-bank wallet era.
url: https://raw.githubusercontent.com/api-evangelist/xapo/refs/heads/main/apis.yml
image: https://static-media-cdn.xapobank.com/images/default-og-image.jpg
x-type: company
x-source: vc-portfolio
x-backed-by:
- emergence-capital
- greylock
- pantera-capital
- ribbit-capital
x-tier: profile
x-tier-reason: enriched-no-public-api
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Crypto
- Bitcoin
- Banking
- Custody
- Payments
- Wealth Management
- Fintech
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: VulnerabilityDisclosure
  url: security/xapo-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/xapo-domain-security.yml
- type: Website
  url: https://www.xapobank.com/en
- type: Support
  url: https://www.xapobank.com/en/contact
- type: HelpCenter
  url: https://www.xapobank.com/en/help
- type: Blog
  url: https://www.xapobank.com/en/insider
- type: BlogRSS
  url: https://www.xapobank.com/feed.xml
- type: Pricing
  url: https://www.xapobank.com/en/membership
- type: SignUp
  url: https://application.xapobank.com/membership-application
- type: TermsOfService
  url: https://legal.xapobank.com/misc/website-terms-use
- type: PrivacyPolicy
  url: https://legal.xapobank.com/privacy/privacy-notice
- type: GitHubOrganization
  url: https://github.com/xapo
- type: Security
  url: https://legal.xapobank.com/misc/responsible-disclosure-policy
- type: Compliance
  url: https://www.xapobank.com/en/company/compliance
- type: TrustCenter
  url: security/xapo-trust-center.yml
- type: Conformance
  url: conformance/xapo-conformance.yml
- type: WellKnown
  url: well-known/xapo-well-known.yml
- type: SecurityTxt
  url: well-known/xapo-security.txt
- type: Packages
  url: packages/xapo-packages.yml
- type: LLMsTxt
  url: llms/xapo-llms.txt
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 8
  pass: local-v1