# Xapo

**Canonical:** https://apis.io/providers/xapo/  
**Website:** https://www.xapobank.com/en  
**APIs profiled:** 0

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.

## Kin Score — 25.0 / 100 (emerging)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 25.0).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 12.5 |
| Operational Transparency | 15.8 |
| Developer Ergonomics | 6.5 |
| Commercial Clarity | 60.5 |

Regulatory layer — **Banking & Open Finance**: 38.0 (matched via tags).

## Agent readiness — 2.7 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | yes |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (3)

- **Xapo Domain Security** — TLSv1.3 · HSTS · DMARC
- **Xapo Vulnerability Disclosure** — security.txt · contact published
- **Xapo Trust Center** — SOC 2 Type II, SOC 3, PCI DSS, GDPR

## Tags

Company, Crypto, Bitcoin, Banking, Custody, Payments, Wealth Management, Fintech

---

Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/xapo/). Scores are computed from the provider's own public artifacts under a published rubric.