Xapo 银行推出新解决方案，允许会员为其资产（包括比特币）指定各种受益人

Xapo 银行推出了受益人解决方案，允许会员为其资产（包括比特币）指定各种受益人

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 银行是唯一一家获得完全许可、让会员可以轻松使用比特币进行银行业务的银行，该银行推出了受益人解决方案，允许会员为其资产（包括比特币）指定各种受益人。

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.

超过 20% 的比特币，即约 400 万，被认为永久丢失。这一损失凸显了实际数字资产继承解决方案的弱点。

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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.

尽管数字财富数量不断增加，但加密货币资产的继承服务有限且成本高昂，通常需要定期支付基本存储费用。更糟糕的是，许多交易所让受益人经历冗长的官僚程序，这可能会导致访问延迟数月。

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 银行的新解决方案解决了这一迫切需求，使会员能够将财富安全地传递给亲人。只需两步，会员就可以将其持有的全部或部分法定货币和比特币分配给受益人。

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，该解决方案集成到 Xapo Bank 应用程序中，可在五分钟内完成安全的遗留规划，并且无需经常性费用。目前，Xapo Bank 的美元账户利率为 4.1%，比特币账户利率为 1%，为会员提供完整、一站式的资金安全解决方案。

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).

这些优势与 Xapo Bank 获得完全许可和监管的银行的安全性相结合，该银行利用多方计算 (MPC) 技术来保护会员的资产以及军事掩体形式的物理安全。作为直布罗陀存款担保计划 (GDGS) 的成员，Xapo 银行为高达 100,000 欧元（105,766 美元）的美元存款提供保险。

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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 银行首席执行官 Seamus Rocca 表示：“在 Xapo 银行，我们致力于提供的不仅仅是安全的比特币存储。我们帮助我们的会员建立遗产并确保他们的财富，不仅是为了他们自己，也是为了那些对他们最重要的人。有了这个新功能，我们的会员就可以高枕无忧，因为他们知道自己的财务未来是安全的。”

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.

在此消息发布之前，Xapo 银行最近还取得了许多其他合作和监管成功。 9 月，该银行宣布与 FalconX 合作，为其会员带来额外价值并提供有竞争力的比特币定价。

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.

它还与希尔伯特组织建立了价值超过2亿美元的比特币对冲基金，并成功将银行牌照转移到英国，成为英国唯一一家同时提供比特币和计息货币账户的合法银行机构。