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How Xapo Bank secures Bitcoin: MPC custody, human oversight, and the 48-hour Vault timelock

calendar_today July 23, 2026 person Xapo Bank domain xapo

Xapo has safeguarded Bitcoin since 2013. Here’s how three layers – split-key MPC custody, human oversight across the organisation, and a deliberate 48-hour withdrawal delay on the Vault – work together to protect the Bitcoin members intend to hold for the long term.

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