In Bitcoin We Trust: Inside Xapo Bank's Model For The Future Of Banking And Finance

Описание: Unlock unique insights into Bitcoin banking and digital asset strategies with Joey Garcia, Executive Director and Chief Strategy Officer at Xapo Bank, as he joins Stefania Barbaglio for an in-depth Financial Fox interview. Discover how Xapo bridges traditional finance and crypto, why custody and regulation matter for high-net-worth and treasury clients, and future-proof strategies for Bitcoin treasury companies. If you're considering institutional-scale Bitcoin adoption, looking for expert regulatory commentary, or want to hear behind-the-scenes stories from the team that pioneered Bitcoin banking, this episode is a must-watch.

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Key Highlights

00:58 – Introduction and context
Stefania sets the stage for a deep-dive into Bitcoin banking, regulation, and treasury management in 2025.

03:20 – Meet Joey Garcia & Xapo Bank’s Bitcoin-only journey
Introduction to Joey Garcia’s background and Xapo’s evolution from Fort Knox of Bitcoin to a licensed, Bitcoin-native bank.

07:00 – The challenge of banking for crypto: Policy & regulation
Discussion on the hurdles faced by Bitcoin holders and institutions, plus Garcia's global work on regulatory frameworks.

08:30 – Comparing global regulatory approaches (US, UK, Singapore, Europe)
Analysis of what the UK and other regions can learn from US leadership and past lessons in Singapore, Japan, and the EU.

13:30 – Custody, counterparty risk, and why Xapo is different
Deep dive into how Xapo secures client assets, military-grade vaults, governance credentials, and what sets a specialist Bitcoin bank apart.

15:15 – Coinbase history, institutional partnerships, and custody pricing myths
Clearing up myths about Xapo’s history with Coinbase, and why partnership/pricing structures are crucial for institutions.

19:00 - How Xapo Bank is different, Pricing, Infrastructure and Counter party risk
How Xapo is helping with custody and dive deep in their operations, security and experience

25:40 – How Xapo and other Bitcoin banks serve different clients than exchanges
Who should bank with Xapo vs. holding at exchanges like Coinbase or using self-custody, plus value propositions for Bitcoiners.

28:30 – Xapo’s USD yield accounts and no-lending model
Unique approach to yield: USD savings accounts pay interest in Bitcoin, with ultra-high capital and liquidity ratios; no lending or credit.

30:20 – Profitability without credit: Xapo’s business model
How Xapo provides value and thrives without the traditional bank credit/lending model, including fees and yield options.

35:30 – Corporate & Bitcoin treasury company solutions
Offerings for treasury clients: secure custody, integrated yield, balance sheet optimization, and why Xapo chooses long-term, knowledgeable partners.

39:00 – The future of Bitcoin treasury: Risk management, 2.0 strategies, self-custody vs. institutional custody
Insights on how professional treasury management is evolving in the Bitcoin era, and the next wave of treasury strategies.

44:10 – Bitcoin price timing, cycles, and strategic treasury planning
No price predictions—but advice on risk, cycles, and prudent business strategies for companies deploying Bitcoin as treasury asset.

#bitcoin #treasury #bank #crypto

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