{"license":"CC-BY-4.0","licenseUrl":"https://creativecommons.org/licenses/by/4.0/","attribution":"ChainChoice (https://chainchoice.io)","category":"crypto_neobanks","evidenceReadAt":"2026-11-03","generatedAt":"2026-11-12","criteria":[{"id":"depositProtection","label":"Fiat covered by a real deposit guarantee","weight":35},{"id":"cryptoAssetSafety","label":"What happens to your coins if they fail","weight":25},{"id":"licenceStrength","label":"Verified authorisation on both legs","weight":25},{"id":"conversionCost","label":"Computable conversion cost","weight":15}],"providers":{"xapo_bank":{"depositProtection":{"s":8,"q":"Limit of protection: £120,000 per depositor per credit institution | Reimbursement period in case of credit institution’s failure: Seven working days","u":"https://legal.xapobank.com/reg/deposit-information-sheet","d":"2026-11-03"},"cryptoAssetSafety":{"s":7,"q":"Custody of Bitcoins: Xapo is a custodian of any bitcoins, or where supported, other Digital Currencies transferred to a Xapo Wallet. Xapo does not obtain any legal or beneficial right, title or interest in your bitcoins that you store in your Wallet and Vault.","u":"https://legal.xapobank.com/tos/vasp","d":"2026-11-03"},"licenceStrength":{"s":9,"q":"Providing distributed ledger technology services * | The firm is authorised to use distributed ledger technology for storing or transmitting value belonging to others in connection with:","u":"https://www.fsc.gi/regulated-entity/xapo-vasp-limited-26061","d":"2026-11-03"},"conversionCost":{"s":3,"q":"Xapo offers Institutional-grade spreads as low as 0.29% saving you money on every trade.","u":"https://www.xapobank.com/en/membership-benefits","d":"2026-11-03"}},"revolut":{"depositProtection":{"s":7,"q":"We are a UK company which is authorised to issue e-money by the Financial Conduct Authority (the financial regulator in the UK) under the Electronic Money Regulations 2011. | The money in your Account isn't covered by the Financial Services Compensation Scheme (because it’s safeguarded instead).","u":"https://www.revolut.com/en-GB/legal/terms/","d":"2026-11-03"},"cryptoAssetSafety":{"s":7,"q":"Your cryptoassets are held in one or more virtual accounts that also hold cryptoassets for other Revolut customers. | As the beneficial owner, you have the absolute rights to the financial value of the cryptoassets we hold for you.","u":"https://www.revolut.com/en-GB/legal/cryptocurrency-terms/","d":"2026-11-03"},"licenceStrength":{"s":8,"q":"Revolut Bank UAB | Authorization code | LB002119 | Banking licence | valid from: 2021-12-13 | Receipt of deposits and other repayable funds from non-professional participants of the market | Sanctions (4) | Fine : 3500000 €","u":"https://www.lb.lt/en/sfi-financial-market-participants/revolut-bank-uab","d":"2026-11-03"},"conversionCost":{"s":7,"q":"Our fees for exchanging cryptocurrency are composed of either a minimum fee or a variable rate (whichever is greater), both depending on your plan and trade value.","u":"https://cdn.revolut.com/terms_and_conditions/pdf/exchanging_cryptocurrency_personal_fees_ee1b196b_1.1.8_1786438530_en.pdf","d":"2026-11-03"}},"bitpanda-neobank":{"depositProtection":{"s":3,"q":"Earn Transactions are not covered by any deposit protection scheme. | Accordingly, there is no regulated custody status and no asset protection.","u":"https://cdn.bitpanda.com/terms-and-conditions/earn-on-stablecoin-bitpanda-bitpanda-gmbh-en-1.0.0.pdf","d":"2026-11-03"},"cryptoAssetSafety":{"s":7,"q":"Bitpanda uses segregated accounts and wallets to distinguish between clients' assets and | You herewith release the Custodian from any restrictions against self-dealing","u":"https://cdn.bitpanda.com/terms-and-conditions/e-token-bitpanda-bitpanda-gmbh-en-2.0.2.pdf","d":"2026-11-03"},"licenceStrength":{"s":8,"q":"Austrian Financial Market Authority (FMA),AT,Bitpanda GmbH,5493007WZ7IFULIL8G21,AT,Bitpanda","u":"https://www.esma.europa.eu/sites/default/files/2024-12/CASPS.csv","d":"2026-11-03"},"conversionCost":{"s":6,"q":"The premiums for buying and selling Bitcoin on Bitpanda are 0.99% . | You can now see the exact fee applied to each trade , which ranges from 0.00% to 2.49% .","u":"https://support.bitpanda.com/api/v2/help_center/en-us/articles/360000902525.json","d":"2026-11-03"}},"n26":{"depositProtection":{"s":8,"q":"Deposits at N26 Bank SE | German Banks Compensation Scheme | EUR 100,000 per depositor per credit institution","u":"https://docs.n26.com/legal/06+EU/01+Account/en/02account-deposit-protection-en.pdf","d":"2026-11-03"},"cryptoAssetSafety":{"s":4,"q":"The crypto service (trade execution and wallet custody) is provided exclusively by Bitpanda GmbH on the basis of its own terms and conditions (Bitpanda WL TC). | A transfer of crypto assets to external wallets or directly to the user is generally not possible via the user interface.","u":"https://docs.n26.com/legal/06+EU/020+Crypto/en/01crypto-terms-and-conditions-n26-en.pdf","d":"2026-11-03"},"licenceStrength":{"s":7,"q":"Federal Financial Supervisory Authority (BaFin),DE,N26 Bank SE,529900JB9XYZ8E87N345,DE,N26 Bank SE","u":"https://www.esma.europa.eu/sites/default/files/2024-12/CASPS.csv","d":"2026-11-03"},"conversionCost":{"s":3,"q":"The fees and cryptocurrency prices shown on the N26 app for every transaction and including a possible spread are not determined by N26 but provided by Bitpanda Asset Management GmbH.","u":"https://n26.com/en-eu/crypto","d":"2026-11-03"}},"fold":{"depositProtection":{"s":5,"q":"Funds in your Fold Spending Account are eligible for FDIC deposit insurance on a pass-through basis, subject to the conditions described in the Fold Spending Account Agreement. | FDIC insurance protects only against the failure of Lead Bank.","u":"https://foldapp.com/legal/terms-of-service","d":"2026-11-03"},"cryptoAssetSafety":{"s":2,"q":"bitcoin held on behalf of our customers could also be considered part of our own bankruptcy estate if we were to become insolvent | BitGo does not currently offer segregated wallet services to our customers | approximately 90% of bitcoin held in this capacity is held in omnibus cold storage wallets","u":"https://www.sec.gov/Archives/edgar/data/1889123/000119312526110808/fld-20251231.htm","d":"2026-11-03"},"licenceStrength":{"s":3,"q":"if we are deemed to be a money transmitter, including a money services business, provider of prepaid access, or any other similar term defined by applicable money transmission or money services business laws, or virtual currency business we could be subject to certain laws","u":"https://www.sec.gov/Archives/edgar/data/1889123/000119312526110808/fld-20251231.htm","d":"2026-11-03"},"conversionCost":{"s":5,"q":"If you are not a Fold Reserve member, or your Committed Balance is below $5,000, a Transaction Fee of 1% applies to each Fold Bitcoin Buying transaction | The Exchange Rate may include a Fold spread in addition to any amounts charged to Fold by its Exchange Services provider.","u":"https://foldapp.com/legal/terms-of-service","d":"2026-11-03"}},"nexo-neobank":{"depositProtection":{"s":1,"q":"When these indicators reflect the underlying Third-party Services, they do not create any custodial, fiduciary, lending, deposit-taking, or other relationship between you and Nexo. | Nexo Card means a product developed and provided by DiPocket UAB ( “DiPocket”","u":"https://platform.nexo.com/api/cross/account/ac/v1/tnc/content/platform/terms-of-service-mica?lang=en","d":"2026-11-03"},"cryptoAssetSafety":{"s":3,"q":"By virtue of the Opt-in, title to the Earning Assets transfers to the Earn Provider. | any right to claim priority, preference, or secured status in the event of the Earn Provider’s insolvency, and (ii) any right to seek equitable relief inconsistent with the Client’s status as an unsecured party…","u":"https://platform.nexo.com/api/cross/account/ac/v1/tnc/content/platform/terms-of-service-mica?lang=en","d":"2026-11-03"},"licenceStrength":{"s":2,"q":"Tangany is a Munich-based digital asset custodian, MiCAR-licensed and BaFin regulated.","u":"https://nexo.com/security","d":"2026-11-03"},"conversionCost":{"s":2,"q":"Nexo operates on a sustainable, utility-driven business model centered around interest rate spreads on its collateralized Credit Lines, transaction fees from its exchange and payment services","u":"https://nexo.com/security","d":"2026-11-03"}}}}