Federally chartered · backed by a16z, Paradigm, Sequoia

A decentralized bank for crypto and fiat.

Checking, savings, cards, and yield — for stablecoins and dollars in one account. Self-custody optional. FDIC-passthrough up to $5M.

Open an account Watch a 90-second tour

$2.4B

On deposit

9.99%

APY on stablecoins

150+

Fiat currencies

FDIC

Up to $5M passthrough

€

₿

Xpan

USDC · USDSIGNATURE

4242   9018   ••••   4421

CARDHOLDER

JANE M. CHEN

VALID THRU

09/29

Available balance

$248,912.40

live · USDC + USD

USDC savings

9.99% APY

Wire · DBS Singapore

settled in 47 sec

IBAN ready

GB · 4421 · ••• 9018

2,400+ businesses and 180,000 individuals bank on Xpan

PhantomLedgerStripeLinearVercelRampAndurilMercuryPlaidCoinbase

How the bank works

One account.
Every rail.

ACH, IBAN, FedNow, SEPA, PIX, SWIFT — plus 9 chains. Hold both. Spend either. Settled in under 90 seconds.

Read the architecture

Checking + savings

USD and USDC in one balance. Earn 9.99% APY on idle funds.

USDCUSDTPYUSDUSDEUR+34

Send & receive

All major rails. 0.15% FX. Sub-90s settlement.

Stablecoin cards

Virtual or metal. Spend USDC, earn cashback.

XPAN VIRTUAL•••• •••• •••• 0341

Self-custody

Bring your keys, or we hold them with MPC.

Banking, with an API

Accounts, cards, KYC, transfers — one set of endpoints. Sub-100ms median.

POST /v1/quote
{ "from":"USDC","to":"EUR","amount":"50000" }

Your console

The bank,
visibly in motion.

Live balances, transfers, cards, and yield — across every chain and currency, in one console.

app.xpan.money / home

Individual Account

Home

Accounts

Cards

Transactions

Payments

Beneficiaries

Scheduled

Bulk Transfers

Investments

Staking & Yield

Lending

Welcome, Jane

₮Total USDT Balance

5,216,471.18USDT

Last 30 days↑ 1.7M USDT↓ ~420K USDT

Jan 31Feb 5Feb 10Feb 15Feb 20

Accounts+

Credit Card12,505.87USDT

Treasury200,000.00USDT

Ops / Payroll2,023,267.12USDT

AP226,767.82USDT

AR0.00USDT

Recent TransactionsView ›

₮

USDT Deposit

Mar 15

+1,250.00 USDT

₿

Bitcoin Deposit

Mar 14

+0.25 BTC

ETH Withdraw

Mar 14

−1.5 ETH

₮

USDT Transfer

Mar 13

+500.00 USDT

◎

SOL Withdraw

Mar 12

−32.5 SOL

Money movement

$ 1.28M↑ +12.4% MoM

1W1M3M1Y

Inflow · $ 842kOutflow · $ 438k

Beneficiaries

Helio Studio

Singapore · DBS

L. Moreau

Paris · BNP

Y. Adebayo

Lagos · USDC

M. Patel

Mumbai · HDFC

Active cards · 4

XPANPersonal

•••• 4421

XPANTravel

•••• 0341

XPANBusiness

•••• 8807

Spend this month$ 8,402 / $20,000

Staking & yield

9.99% APY

+ $642.18 earned this month

USDC vault5.18%

USDT · Aave4.71%

ETH · stETH3.92%

ScheduledNext 7 days

TODAY

Payroll · 82 contractors

$ 184,200

TUE

AWS auto-pay

$ 4,802.18

WED

Rent · Brooklyn Lofts

$ 3,200.00

FRI

USDC → EUR · hedge

$ 50,000.00

Multi-chain · 9 networks

ETH

Ethereum

47%

SOL

Solana

22%

BASE

Base

18%

MATIC

Polygon

AVAX

Avalanche

BNB

BSC

Built for

One bank. Five ways to use it.

Personal banking

Your everyday account, in dollars or USDC.

Direct-deposit your paycheck, get paid in stablecoins, or both. Spend with a debit card. Earn 5.18% on savings. Send money home without losing 7% to wires.

US routing # · IBAN · UK sort code
Debit card with crypto cashback
5.18% APY on USDC savings
Self-custody at the flip of a switch

180kindividuals banking with Xpan

Personal account · J. Monroe

$ 24,182.06

+ $ 12.40 earned today

FDIC · IBAN

Checking · USD

$ 4,182.06

Savings · USDC

$ 20,000.00

5.18% APY

Direct deposit · Acme Inc+ $ 4,200.00today

Send to Mom · Lagos− $ 800.00yesterday

Whole Foods · debit− $ 64.18Mon

For developers

The API your CFO
and compliance officer
actually trust.

Open accounts, issue cards, run KYC, move money — one set of endpoints. Idempotent. Sandboxed. SOC 2 audited.

Read the docs View on GitHub

< 100ms

Median latency

99.99%

SLA, 12-month

REST + gRPC

Plus 8 SDKs

Sandbox

No card required

app.ts

// Live FX quote, locked for 30s
const quote = await xpan.quotes.create({
  from: "USDC",
  to: "EUR",
  amount: "50000",
  network: "base",
});
quote.rate          // 0.9216
quote.expires_in    // 30
quote.id            // qt_8f72ea...