Building a Bitcoin Bank: Xapo Bank CTO on Outages, Lightning & Safe BTC Yield

Описание: Roxom Report was joined by Kamil Dziublinski (CTO, Xapo Bank) to unpack how a Bitcoin-first bank is built and run—from incident response during market chaos to Lightning, AI, and security at banking scale. Mid-show we’re also joined by Nick (CTO, Roxom) for a quick CTO-to-CTO segment on Bitcoin-denominated markets.

In this episode

Friday’s “blackout”: why partner liquidity broke, why Xapo paused trading for ~2 hours, and how member assets stayed safe.

Incident playbooks: disaster-recovery protocols, treasury hedging, and the decision tree for pausing vs. degrading features.

CTO role: translating business goals into architecture, reliability, and shipping velocity without compromising security.

AI at a bank: moving from gen-AI to agentic tools—safely (enterprise controls, data governance, cybersecurity sign-off).

Bridging TradFi & Bitcoin: KYC/monitoring on fiat rails vs. blockchain, and how to make them work together.

Lightning integration: limits, fees, and compliance tooling to deliver fast payments with bank-grade safeguards.

Self-custody vs. qualified custody: risk, inheritance, and the point where people choose professional custody.

“Safe” BTC yield: counterparties, approvals, and why not all yield is created equal.

Security & audits: separation of duties, key management, and third-party audits/proof of funds expectations.

Gibraltar advantage: the DLT framework and why early, clear regulation matters.

The road ahead: AI × Bitcoin, and Bitcoin as a global settlement layer.

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🔗 Learn more about Xapo and becoming a member: https://bit.ly/4pqhd5L

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🎙 Guests: Kamil Dziublinski (CTO, Xapo Bank), Nick (CTO, Roxom)
📌 Disclaimer: This conversation is educational only and not financial advice.