Xapo Bank has launched a suite of Bitcoin wealth products aimed at long-term holders, offering yields in Bitcoin. Based in Gibraltar, Xapo provides both USD and BTC savings accounts, with interest paid daily in Bitcoin. The bank emphasizes security and transparency, using its own capital to generate returns through short-term US Treasury bills, avoiding the risks associated with lending member deposits. In addition to savings products, Xapo has introduced a BTC Credit Fund targeting wealthier clients, offering up to 4% annual growth in Bitcoin. This fund involves lending to vetted financial institutions, with a high minimum investment and a 30-day redemption notice. While Xapo's offerings provide a regulated alternative to traditional yield platforms, they come with membership fees and jurisdictional limitations, appealing primarily to larger Bitcoin holders.