Join me as I sit down with Seamus Rocca, visionary CEO of Xapo Bank, a trailblazer at the intersection of Bitcoin and traditional finance. We unpack Xapo’s transformation into a fully licensed bank, how it safeguards your crypto, the regulatory balancing act, and the future of digital assets. Plus, Wences shares his thoughts on yield, DeFi, CBDCs—and even the meaning of life.

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🔗Twitter/X: https://x.com/SeamusRocca

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Timestamps:

00:16 Intro – Holistic Investments & Xapo

03:00 Meet Seamus Rocca

05:35 Why Xapo Became a Bank – The Big Shift

06:19 The Three Essentials of Bitcoin Banking

08:57 “We Had to Build Our Own Bank”

10:02 Xapo Serves 45+ Countries

14:12 Bridging TradFi & Crypto with Compliance

17:10 Balancing Innovation and Regulation

21:47 What Happened to Signature, Silvergate, SVB?

25:48 Positives in the Bitcoin Landscape

26:43 Bitcoin’s Role in the Financial Future

29:12 Stablecoins, CBDCs & Central Bank Tensions

33:18 Crypto Regulation & the SEC Debate

35:15 “We Don’t Have a Lot of Time”

36:35 Trends for the Next 5–10 Years

41:53 Trust is Everything – How Xapo Earns It

44:25 Yield Never Comes Risk-Free

45:24 Where Does the Yield Come From?

45:40 4% Yield on Dollar Deposits – How It Works

48:20 What About Bitcoin Yield?

49:28 DeFi Protocols & Xapo’s Zapper Product

51:36 Asset-Backed Lending Explained

54:33 Bitcoin’s Long-Term Wealth Effect

57:47 Minimum Deposits & Subscription Model

59:00 $1,000 Annual Fee – Who Is It For?

1:02:31 Wences on the Meaning of Life

1:03:03 Travel, Purpose, and Philosophical Reflections

Drop your thoughts in the comments! What’s the future of crypto wallets? Let’s talk Web3!

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