Ledn is the Secure, Transparent Alternative to Xapo
Looking to borrow against your Bitcoin? Ledn offers verifiable security, no entry fees, and open access.
See how it compares to Xapo and why more clients are making the switch.
Ledn vs Xapo: What’s the Difference?
Xapo offers yield products and crypto services through a paid membership model, making it potentially less accessible to everyday users. It does not publish public proof of reserves, making it harder to independently verify asset security.
Ledn is built for long-term digital asset holders. It offers fair access, strong security, and clear terms. Ledn completes independent Proof-of-Reserves audits, provides competitive rates, and makes saving and borrowing simple. Since 2018, it has funded over $9.8 billion in loans funded since 2018.
Ledn Cayman SEZC Inc., which provides Ledn’s lending products (other than Ledn Growth accounts), is regulated as a Virtual Asset Service Provider (VASP) by the Cayman Islands Monetary Authority (CIMA).
At a glance: Ledn vs Xapo
Top 3 Reasons Why Ledn Is the Better Choice
1. Transparent and Verifiable
Ledn was the first crypto lender to complete a public Proof-of-Reserves attestation. This is regularly reviewed by an independent accounting firm. Unlike Xapo, Ledn makes its reserve practices public and auditable. Clients don’t need to take our word for it.
2. Fair access without fees
Ledn offers access to savings and loans without requiring an exclusive membership or high annual fees. Xapo’s “pay-to-play” model limits access to only those who can to pay for entry.
3. Clear yield sources
Ledn explains exactly how its rates are generated: no equity-backed models, no hidden risks. Xapo has yet to disclose how it sustainably funds yields or manages reserves.
Why Bitcoin Holders Choose Ledn Over Xapo
Ledn’s products are designed with security, transparency, and global access in mind. Here's what makes Ledn a reliable platform for digital asset growth and liquidity.
Bank-Grade Custody
Assets are stored with BitGo, a regulated, qualified custodian with $250M in insurance coverage. AES-256 encryption and two-factor authentication are standard on every account.
Proof-of-Reserves
Ledn performs biannual Proof-of-Reserves audits with a certified public accountant. Xapo has yet to release any public reserve report.
No High Entry Fees
Ledn charges no annual fee to access savings or lending products. Xapo requires a substantial membership fee, making it inaccessible to everyday investors.
We are bigger than all other crypto lenders...combined
Ledn is the biggest consumer crypto lender, with over $9 billion in loan originations since 2018 thanks to our unbroken track record.
Loans funded since 2018
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Your collateral is secure
Collateral is held in custody with Ledn or our funding partner. Neither Ledn nor our funding partners have the right to lend out the collateral. Your Bitcoin is safe.
Unmatched speed and flexilibity
Our current funding ETA is 6.9 hours with no credit checks required. Repay whenever you want, without penalty. Use our auto top up feature to protect your collateral from Bitcoin price fluctuations.
We strive for ever-more competitive rates
We are committed to offering the most competitive rates possible to our customers.
Global accessibility is at the core of our mission
We believe in the power of Bitcoin to provide fair access to credit, no matter where you’re located.
Why hodlers love Ledn
Ledn is gonna take over
Ledn's Founding Story
What started as a passion project with a few close colleagues has grown to a global company with 50+ employees, offering a full suite of lending, savings and trading products in over 120 countries. Ledn strives to improve the everyday lives of Bitcoin holders today, while building generational wealth for the future. Through its products & services, Ledn makes a difference in the lives and futures of its clients - in real terms.