Hold fiat and digital balances side by side.
Manage multi-currency balances in EUR, USD, GBP, SGD, and 1:1 fiat-backed digital assets (USDC, EURC) in a single unified interface with segregated account structures.
Not a bank deposit: Digital asset and stablecoin holdings are not deposits and are not protected by statutory deposit insurance schemes (such as FDIC, FSCS, or statutory deposit guarantees).
Holding Limits and Account Balance Thresholds
Transparent transaction ceilings and tier thresholds based on account verification status.
Individual Verified
Standard tier ceiling across combined fiat and digital asset positions.
Business Verified
Expanded capacity for corporate treasury management and contractor payments.
Custom Corporate
Higher allowances available following enhanced corporate due diligence.
How Holding Works
Three simple steps to execute transactions inside your XEBT account.
Open Multi-Currency Balances
Activate dedicated currency wallets in fiat and supported stable digital assets with one click.
Zero balance opening or monthly maintenance costs
Segregated Custody Protocols
Fiat funds are safeguarded in segregated partner accounts. Digital assets are maintained in audited on-chain multi-signature vaults.
1:1 backing verification on digital assets
Deploy or Convert Anytime
Keep balances ready for rapid payouts, card expenditures, or internal currency conversions.
Available 24/7 with zero lock-in periods
Balance Management Schedule
Transparent fee breakdown with zero hidden charges or variable spreads. XEBT charges zero custody or maintenance fees on active account balances.
| Balance Type | Cost | Settlement Speed | Notes |
|---|---|---|---|
Account Maintenance |
Free (0.00 USD / mo) | Continuous | No recurring subscription minimums |
Fiat Balance Holding |
Free (0.00) | Immediate availability | Segregated client funds |
Digital Asset Custody (USDC/EURC) |
Free (0.00) | Immediate availability | Audited smart contract backing |
Multi-Currency Wallet Creation |
Free (0.00) | Under 1 second | Create up to 20 currency sub-accounts |
Supported Balance Currencies
Currently supported balances, plus upcoming rail expansions.
Digital asset movements and holdings carry distinct financial characteristics. 1:1 fiat-backed stablecoins (such as USDC and EURC) are designed to maintain a stable peg to their underlying reference currencies, but remain non-deposit obligations of their issuers. Digital assets are not subject to statutory deposit protection. Value may fluctuate, and cross-chain or secondary liquidity events can be subject to network latency. XEBT executes currency exchanges at quoted rates with transparent network costs disclosed prior to transaction confirmation.
Ready to hold with XEBT?
Open your multi-currency account in minutes and get access to local clearing rails worldwide.
Zero fees on balances • 1:1 asset-backed stablecoins • Segregated fund safeguarding