Nebeus vs Xapo Bank

Nebeus3.8/5

VS

Xapo Bank4.3/5

Feature	NebeusVisit	Xapo BankVisit
Ratings
Our score	3.8/5	4.3/5
User rating	No reviews yet	No reviews yet
Rates	4.0	4.0
Security	4.0	4.5
Transparency	3.5	4.5
Flexibility	4.0	4.0
Support	3.5	4.5
Specs
KYC required	Yes	Yes
Products	Crypto-backed loans, Savings / earn	Savings / earn, Crypto-backed loans
Highest advertised APY	12%	4.6%
Max loan-to-value	70%	40%
Loan APR from	4%	Not disclosed
Supported assets	30	Not disclosed
Available in	Europe (EEA)	United Kingdom, Global
Insurance	$250M Lloyd's of London coverage via BitGo custody	Gibraltar Deposit Guarantee Scheme covers USD deposits up to £120,000 equivalent; Lloyd's of London covers BTC custody
Licenses & registrations	MiCA (CNMV, Spain)	Gibraltar banking licence (GFSC)
Flexible (withdraw any time)	Yes	Yes
Fixed terms	Yes	Not disclosed
Auto-compounding	Not disclosed	Yes
Company
Founded	2014	2013
Headquarters	Spain	Gibraltar
Investors	Not disclosed	Not disclosed
Strengths and weaknesses
Pros	Authorised under the European MiCA framework by Spain's CNMV BitGo custody backed by $250M Lloyd's of London insurance Dedicated European IBAN linked directly to crypto balances No mandatory platform token required to unlock standard interest rates	Licensed Gibraltar bank with deposit guarantee up to £120,000 on USD USD savings earn daily interest paid directly in Bitcoin Bitcoin custody balances are legally segregated from bank operating assets BTC-backed loans allow liquidity up to 40% LTV without selling holdings
Cons	Crypto renting yield accounts are not covered by MiCA regulatory protections Loans carry a standard 1% origination fee Centralized custody exposes user deposits to counterparty risk Mandatory KYC identity verification for all accounts	$1,000 annual membership fee limits value for smaller depositors Bitcoin holdings are not covered by the Gibraltar Deposit Guarantee Scheme The BTC Credit Fund introduces counterparty credit risk via institutional lending Mandatory KYC identity verification required before account access
Best for	EEA residents needing euro IBANs, Borrowers seeking crypto-backed fiat liquidity, Holders seeking daily yield without native tokens	High-net-worth Bitcoin holders, Savers accumulating Bitcoin yield from cash, Borrowers seeking non-taxable liquidity

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