01Security
Custody you can audit. Ops you can trust.
Money is a promise. Every part of xobank is architected so the promise is verifiable — by you, by your accountant, and by regulators.
PIN-locked funds
Every high-value transfer is gated by an on-device PIN, signed with a device key.
Segregated custody
Fiat held at partner banks. Digital assets in qualified MPC custody with audit trail.
Hardware attestation
Card chips attested with a Secure Enclave. Every tap verifies before it authorizes.
ISO 20022 settlement
Fiat rails settle over ISO 20022 pacs.008 with SWIFT-standard AUTHKEY/MAC.
02Certifications
Audited. Attested. Insured.
SOC 2 Type II
in flight · target 2026
ISO 27001
in flight · target 2026
PCI DSS L1
in flight · target 2026
FDIC (partner)
in flight · target 2026
Security
Ask us anything. We publish the answers.
Trust reports, penetration test summaries and proof-of-reserves attestations, published quarterly.