Crypto Earn for business. Give eligible balances more to do.

Put your crypto balances to work with fixed, flexible or bonded terms. Review rates and access before allocating.

Before allocating	What to review
Asset and product	Eligibility for your business and jurisdiction
Rate	Current APR, calculation and any applicable fees
Access	Lock-ups, redemption process and timing
Risk	Product risks and potential loss of capital

Follow the agreed terms.

Access depends on the product. Confirm the redemption conditions before making the allocation.
Choose deliberately.

Separate operational funds from balances you are considering for Earn. Review the selected product’s terms.
Keep it visible.

Follow the allocation and reward record in the account. Review changes to rates and product conditions.

Access is part of the decision.

Fixed and flexible products can have bonded variants. Review any redemption period, early-termination fee or forfeiture of unpaid interest before allocating.
Choose what happens at maturity.

Where offered, auto-renewal rolls a matured fixed allocation into a new subscription. Check the renewal setting, current terms and records when planning treasury access.
Know the return. Understand the risk.

Review the selected product’s counterparty exposure and responsibilities in its terms. Rates, asset eligibility and terms vary.

What determines the rate?

The customer rate reflects the provider rate less XBO’s product margin. Check the current rate shown for the selected asset and term before subscribing. No fixed maximum APR is promised here.
What supports the return?

Earn uses provider-backed products, including arrangements with B2C2. The selected product’s disclosures explain the exposure and responsibilities. Returns and capital are not guaranteed.
Which term types are available?

The platform supports fixed, flexible, fixed bonded and flexible bonded structures. The offers available to your account determine which structures you can select.
What happens when we redeem or a term ends?

Bonded products can include a redemption period. Early termination or accelerated redemption may involve a fee or forfeiture of unpaid interest. Fixed products can support auto-renewal; check the selected settings.
What should a treasury team assess?

Review eligible assets, the providing entity, custody, counterparty exposure, redemption timing and reporting. Availability depends on your business and jurisdiction, and capital is at risk.

Corporate Crypto Treasury

Hold, convert and manage fiat, crypto and stablecoin balances around your business priorities.
Business Crypto Custody

Hold supported digital assets with controlled access, clear approvals and visibility across your business.
Trust Center

Review the entities, security controls, terms and pricing that apply to your business.
Virtual IBANs

Use dedicated account details to fund your own XBO balance in supported EUR, USD and GBP routes.