Gibraltar-licensed bank Xapo recently launched a comprehensive Bitcoin financial service system. First is the BTC savings product, where users can deposit Bitcoin and receive daily Satoshi-level yield distributions, with the top 5 Bitcoins enjoying the highest interest rates. Next, a USD savings plan was introduced, interestingly—USD is not used for lending but instead gains Bitcoin-equivalent returns through traditional asset allocations such as government bonds, effectively converting fiat income directly into BTC. Additionally, there is a BTC credit fund for qualified investors, with an annualized target of about 4% and a minimum investment threshold of around $120,000. The entire system operates on a custodial model, reducing the risk exposure for individual holders. This approach essentially reflects a new perspective of traditional financial institutions on Bitcoin assetization—retaining the properties of crypto assets while introducing a regulated financial framework.