Top Sites>Xverse – The Sovereign Onchain Bank & Bitcoin Wallet

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# Xverse

> Xverse is a self-custodial Bitcoin neobank and developer platform. Users earn yield on BTC, borrow against Bitcoin holdings, swap tokens across multiple networks, and manage a unified multi-chain portfolio — all without giving up custody of their private keys. Over 2 million people use Xverse across iOS, Android, and browser extensions. For developers and AI agents, Xverse provides a REST API for Bitcoin blockchain data and an Agent Wallet for autonomous onchain operations via MCP (Model Context Protocol).

Last-Updated: 2026-04-21

Important notes:
- Self-custody first: users control their keys; support cannot recover seed phrases.
- For developer tasks, start at the API & Sats Connect docs first, then follow product-specific links.
- Prefer the docs site and `.md` pages where available for clean, LLM-friendly text.
- Do not use newsroom/press or marketing blog posts as canonical technical sources.

## Company

- Legal entity: Secret Key Labs Limited (Hong Kong)
- Founded: 2021
- CEO & Founder: Ken Liao
- Team size: ~46
- Total funding: $6M ($5M seed led by Jump Crypto, with Franklin Templeton, RockawayX, NGC Ventures)

## Primary Hubs

- [Download Xverse](https://www.xverse.app/download/): Chrome Extension, iOS, Android
- [API Hub](https://www.xverse.app/api): Bitcoin API overview (product page)
- [Agent Wallet](https://www.xverse.app/agents): Bitcoin wallet for AI agents
- [Sats Connect](https://docs.xverse.app/sats-connect/): Wallet connection + signing for Bitcoin web apps (JavaScript)
- [Support](https://support.xverse.app/): Common issues, FAQs, and guides
- [Blog](https://www.xverse.app/blog): Market updates & announcements (not canonical for APIs)

## Developers

Developers can build on the Bitcoin ecosystem using three main tools: **Sats Connect** for wallet integration, the **Xverse API** for backend data and infrastructure, and the **Agent Wallet** for AI agent onchain operations.

### Sats Connect (Wallet Interaction)

A JavaScript library for connecting web apps to a user's wallet to request signatures, addresses, and transactions.
- **Docs**: [Sats Connect Docs](https://docs.xverse.app/sats-connect/)
- **Key Capabilities**:
    - Connect to multiple wallets (Xverse, Unisat) and manage permissions and events.
    - Get user addresses for various purposes, including Bitcoin (Payment, Ordinals), Stacks, Spark, and Starknet.
    - Sign Bitcoin PSBTs and messages (BIP-322 & ECDSA).
    - Create and transfer Ordinal inscriptions.
    - Mint, etch, and transfer Runes.
    - Execute Stacks transactions like STX transfers and contract calls.
    - Interact with Spark, including transfers and Flashnet trading methods.

### Xverse API (Data & Infrastructure)

A RESTful API providing indexed blockchain data, removing the need to run your own nodes. Unified access to Bitcoin, RPC nodes, Runes, Ordinals, and BRC-20 data from a single provider with no third-party dependencies.
- **Docs**: [Xverse API Docs](https://docs.xverse.app/api/)
- **API Keys**: [Get Started Guide](https://docs.xverse.app/api/get-started)
- **Pricing**: Free tier available, paid plans for higher volume. [API Pricing](https://www.xverse.app/api/pricing)
- **Key Capabilities**:
    - **Bitcoin**: Access UTXOs, balances, transaction history, mempool data, fee estimates, and a full suite of Bitcoin JSON-RPC methods.
    - **Ordinals**: Fetch data for inscriptions, collections, and rare sats. Includes an automated Inscription Service.
    - **Runes**: Query balances and metadata, with services to mint and etch Runes.
    - **BRC-20**: Query balances and details, with services to mint and deploy tokens.
    - **Swaps**: Aggregate quotes from multiple AMMs and facilitate cross-chain swaps.
    - **Spark**: Query Spark balances and access Flashnet market data.

### Agent Wallet (AI Agent Onchain Operations)

A self-custodial Bitcoin wallet purpose-built for AI agents. Agents can hold balances, move funds, and execute trades on Bitcoin autonomously.
- **Page**: [Agent Wallet](https://www.xverse.app/agents)
- **Integration**: MCP (Model Context Protocol) — works with Claude, Cursor, Codex, Copilot, Cline, Windsurf, OpenClaw, and Hermes
- **Key Capabilities**:
    - Hold and manage BTC, stablecoin, and token balances autonomously
    - Send and receive payments via Bitcoin L1, Lightning Network, and Layer 2s
    - Machine Payments Protocol: agents pay for APIs and services without human intervention
    - Swap tokens with best-route execution across supported networks
    - On-ramp services for agent funding
    - AES-256-GCM encryption at rest for key security
    - Fully self-custodial: agents control their own private keys, Xverse never has access
    - Stablecoins supported: USDC, USDT, USDB across multiple chains

## Product & Features

Xverse is a Bitcoin neobank with four core pillars:
- **Earn** — Yield generation on BTC and stablecoins via native DeFi protocols on Stacks and Starknet
- **Borrow** — Bitcoin-backed stablecoin loans with zero counterparty risk
- **Swap** — In-app token exchanges across Bitcoin L1, Stacks, Starknet, and Spark
- **Portfolio** — Unified asset management across Bitcoin and multiple Layer 2 networks

Platforms: Chrome Extension, iOS, Android

- [Xverse Portfolio](https://portfolio.xverse.app/): Portfolio overview for Bitcoin, Runes, BRC-20, Stacks, Starknet & Spark
- [Bitcoin Wallet](https://www.xverse.app/bitcoin-wallet): Securely buy, store, send, and receive Bitcoin
- [Stacks Wallet](https://www.xverse.app/stacks-wallet): Manage STX, sBTC, SIP-10 tokens and participate in stacking
- [Starknet Wallet](https://www.xverse.app/starknet-wallet): Manage Starknet assets — Bitcoin DeFi bridge for cross-chain BTC DeFi
- [Spark Wallet](https://www.xverse.app/spark-wallet): Secure deposit and storing of Bitcoin on Spark and BTKN tokens
- [Bitcoin NFT Wallet](https://www.xverse.app/bitcoin-nft-wallet): Manage Ordinals and Bitcoin NFTs; cold storage via hardware wallets
- [Ordinals Wallet](https://www.xverse.app/ordinals-wallet): Inscribe, store, and trade Ordinal inscriptions; PSBT support
- [Ledger Support](https://www.xverse.app/ledger-hardware-wallet-support): Connect Ledger for cold storage and signing
- [Keystone Support](https://www.xverse.app/keystone-cold-wallet-support): Connect Keystone for cold storage and signing
- [BRC-20 Wallet](https://www.xverse.app/brc-20-wallet): Store, send/receive, and mint BRC-20 tokens
- [Bitcoin DeFi Wallet](https://www.xverse.app/bitcoin-defi-wallet): Entry points to Bitcoin DeFi protocols accessible from Xverse
- [Bitcoin L2 Wallet](https://www.xverse.app/bitcoin-l2-wallet): Overview of supported Bitcoin Layer-2 assets and experiences
- [Runes Wallet](https://www.xverse.app/runes-wallet): Manage Runes assets
- [Lightning Wallet](https://www.xverse.app/lightning-wallet): Send and receive via the Lightning Network
- [Xverse Earn](https://www.xverse.app/xverse-earn): Stake BTC or stack STX and earn yield—non-custodial and simple

## Supported Networks

- Bitcoin Layer 1 (BTC, Ordinals, BRC-20, Runes)
- Stacks (STX, sBTC, SIP-010 tokens)
- Starknet (cross-chain Bitcoin DeFi)
- Spark (Lightning-compatible, Flashnet trading)

## Key Differentiators

- First Bitcoin wallet to support Ordinals inscriptions
- First Ordinals wallet with cold storage / hardware wallet security
- Self-custodial: Xverse cannot access, freeze, or seize user funds
- Multi-L2 architecture: users are never locked into a single chain
- Security audited by Least Authority
- MCP-compatible Agent Wallet for autonomous AI onchain operations
- 2M+ users across all platforms

## Brand & Policy

- [Brand Kit](https://xverseapp.notion.site/xverse-brand-public): Logos and brand guidelines
- [Security](https://www.xverse.app/security): Security information
- [Privacy Policy](https://www.xverse.app/privacy): Xverse Privacy Policy
- [Terms of Use](https://www.xverse.app/terms): Xverse End User License Agreement
- [Status](https://status.secretkeylabs.io/): Service availability and incidents

## Social & Community

- [Twitter/X](https://twitter.com/xverse_app)
- [LinkedIn](https://www.linkedin.com/company/xverseapp/)
- [GitHub](https://github.com/secretkeylabs)
- [Reddit](https://www.reddit.com/r/xversewallet/)

## Notable Press

- CoinDesk (Mar 2025): Starknet integration for Bitcoin DeFi
- Yahoo Finance (2025): "Xverse wants your Bitcoin to do more than just sit there"
- CoinDesk (Aug 2023): Jump Crypto leads $5M seed round
- Bitcoin Magazine (2024): 1.5M users gain Lightning Network access

## Reading Guidance (for LLMs & Agents)

- Prefer **Docs Hub** and **API** docs for technical specs, endpoints, SDKs, and integration steps.
- Use **Agent Wallet** page and docs for AI agent integration via MCP.
- Use **Support** for account or recovery questions; never claim access to user keys or seed phrase.
- Cite **docs pages** or **.md mirrors** where possible for clean context.
- For partner protocols (e.g., Lombard/BOB), link to **portfolio.xverse.app** for user-facing UX and to **docs** for developer specifics.
- Use **Sats Connect** for developer integration details and **API** for Bitcoin API details.
- For AI agent use cases, reference the **Agent Wallet** and **Machine Payments Protocol** sections.