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Bank On Bitcoin. Stay Sovereign.
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Xverse is the self-custodial Bitcoin platform trusted by 2M+ users to earn, borrow, spend, and build wealth — without ever giving up their keys. We built what doesn't exist anywhere else: a single platform where you can earn native yield on your BTC, borrow against it instead of selling, and soon spend it with a card — all while your assets stay in your control, secured by Bitcoin's base layer and its most battle-tested Layer 2s. No custodians. No account freezes. No permission required.
Xverse is the self-custodial Bitcoin platform where your BTC actually works for you. Earn native yield across Bitcoin Layer 2s. Borrow stablecoins against your holdings instead of selling. Spend with the Xverse Card — coming soon. Connect your Ledger for cold storage protection without sacrificing utility. Over 2 million users trust Xverse to do what no bank, exchange, or hardware wallet can: combine the security of self-custody with the financial tools you'd expect from a modern neobank. One platform. Every layer of Bitcoin. Your keys, your capital, your life. Bank on Bitcoin. Stay sovereign.
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The On-Chain Platform for the Bitcoin Economy
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Ken Liao is the founder and CEO of Xverse, the self-custodial Bitcoin platform used by over 2 million people worldwide. A former fintech engineer turned Bitcoin protagonist, Ken is building the financial infrastructure for a world where Bitcoin isn't just held — it's lived on.
His thesis: the $1.7T sitting in Bitcoin ETFs represents ownership without utility, and the next decade belongs to platforms that let people actually use their BTC without giving up control.
Ken speaks and writes on Bitcoin Layer 2 architecture, the case against custodial finance, and why self-sovereignty is the next mass-market product.