Xapo 銀行推出新解決方案，讓會員為其資產（包括比特幣）指定各種受益人

Xapo 銀行推出了受益人解決方案，允許會員為其資產（包括比特幣）指定各種受益人

Xapo Bank, the only fully licensed bank that makes it easy for members to bank with Bitcoin, has introduced the beneficiary’s solution, which allows members to name various beneficiaries for their assets, including Bitcoin.

Xapo 銀行是唯一一家獲得完全許可、讓會員可以輕鬆使用比特幣進行銀行業務的銀行，該銀行推出了受益人解決方案，允許會員為其資產（包括比特幣）指定各種受益人。

Over 20% of all Bitcoins, or about four million, are thought to be permanently lost. This loss highlights a weakness in practical digital asset inheritance solutions.

超過 20% 的比特幣，約 400 萬，被認為是永久丟失。這項損失凸顯了實際數位資產繼承解決方案的弱點。

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Despite the increasing volume of digital wealth, inheritance services for cryptocurrency assets are limited and costly, often requiring recurring payments for basic storage. To make matters worse, many exchanges subject beneficiaries to lengthy and bureaucratic processes that can delay access for months.

儘管數位財富數量不斷增加，但加密貨幣資產的繼承服務有限且成本高昂，通常需要定期支付基本儲存費用。更糟糕的是，許多交易所讓受益者經歷冗長的官僚程序，這可能會導致訪問延遲數月。

This urgent need is addressed by Xapo Bank’s new solution, empowering members to securely pass on their wealth to their loved ones. In just two steps, members can allocate all or a portion of their fiat and Bitcoin holdings to beneficiaries.

Xapo 銀行的新解決方案解決了這一迫切需求，使會員能夠將財富安全地傳遞給親人。只需兩步，會員就可以將其持有的全部或部分法定貨幣和比特幣分配給受益人。

Moreover, integrated into the Xapo Bank app, the solution enables secure legacy planning in under five minutes and comes with no recurring fees. Currently, offering interest rates of 4.1% on USD accounts and 1% on Bitcoin accounts, members get a complete, one-stop solution for their money’s safety at Xapo Bank.

此外，該解決方案整合到 Xapo Bank 應用程式中，可在五分鐘內完成安全的遺留規劃，並且無需經常性費用。目前，Xapo Bank 的美元帳戶利率為 4.1%，比特幣帳戶利率為 1%，為會員提供完整、一站式的資金安全解決方案。

These benefits are combined with the security of a fully licensed and regulated bank at Xapo Bank, which utilises Multi-Party Computation (MPC) technology to safeguard members’ assets alongside physical security in the form of military bunkers. Being a member of the Gibraltar Deposit Guarantee Scheme (GDGS), Xapo Bank insures USD deposits up to €100,000 ($105,766).

這些優勢與 Xapo Bank 獲得完全許可和監管的銀行的安全性相結合，該銀行利用多方計算 (MPC) 技術來保護會員的資產以及軍事掩體形式的實體安全。作為直布羅陀存款擔保計劃 (GDGS) 的成員，Xapo 銀行為高達 100,000 歐元（105,766 美元）的美元存款提供保險。

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Seamus Rocca, CEO of Xapo Bank said: “At Xapo Bank, we’re committed to offering more than just secure Bitcoin storage. We’re enabling our members to build a legacy and secure their wealth, not only for themselves but also for those who matter most to them. With this new feature, our members can rest easy, knowing their financial future is safe.”

Xapo 銀行執行長 Seamus Rocca 表示：「在 Xapo 銀行，我們致力於提供的不僅僅是安全的比特幣儲存。我們幫助我們的會員建立遺產並確保他們的財富，不僅是為了他們自己，也是為了那些對他們最重要的人。有了這個新功能，我們的會員可以高枕無憂，因為他們知道自己的財務未來是安全的。

This news follows a number of other recent collaborations and regulatory successes for Xapo Bank. In September, the bank announced that it has partnered with FalconX to bring additional value to its members and provide competitive Bitcoin pricing.

在此消息發布之前，Xapo 銀行最近還取得了許多其他合作和監管成功。 9 月，該銀行宣布與 FalconX 合作，為其會員帶來額外價值並提供有競爭力的比特幣定價。

It also established a Bitcoin hedge fund worth over $200m with the Hilbert organisation, and together with successfully transferring its banking licence into the UK, it became the only legal banking institution in the country to offer both Bitcoin and interest-bearing currency accounts.

它還與希爾伯特組織建立了價值超過2億美元的比特幣對沖基金，並成功將銀行牌照轉移到英國，成為英國唯一一家同時提供比特幣和計息貨幣帳戶的合法銀行機構。