: Transactions are finalized with a PIN or biometric authentication within the app. Fees & Pricing

: Full access to Bitcoin features requires an annual membership fee of $1,000 , typically deducted once your account balance reaches this threshold.

: To buy BTC, you use the "Exchange" or "Swap" feature to convert USD into Bitcoin.

: Xapo charges no direct transaction fees for buying/selling BTC but applies a 0.10% spread on the quoted price.

: The app supports the Lightning Network , allowing for near-instant Bitcoin deposits and low-cost transfers. Earning & Holding Features Xapo Bank: Grow & Protect Your Wealth in Bitcoin* & USD