# Xverse — Full Documentation for LLMs & AI Agents

> 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: 2026-05-15

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## Table of Contents

1. Company Overview
2. Product & Features (Detailed)
3. Supported Networks & Assets
4. Developer Platform
5. Agent Wallet & MCP Integration
6. Security & Self-Custody
7. Frequently Asked Questions
8. Brand, Legal & Policy
9. Social & Community
10. Notable Press
11. Reading Guidance for LLMs & Agents

---

## 1. Company Overview

- **Product name:** Xverse
- **Legal entity:** Secret Key Labs Limited (Hong Kong)
- **Website:** https://www.xverse.app
- **Founded:** 2021
- **CEO & Founder:** Ken Liao (former Stacks core contributor)
- **Head of Growth:** Janlo Van Den Heever
- **Head of Product:** Baptiste Iafrate
- **Team size:** ~46
- **Total funding:** $6M ($5M seed led by Jump Crypto, with Franklin Templeton, RockawayX, NGC Ventures)
- **Users:** 2M+ downloads across all platforms
- **Platforms:** Chrome Extension, iOS (App Store), Android (Google Play)
- **Support:** https://support.xverse.app/hc/en-us
- **Status page:** https://status.secretkeylabs.io/

---

## 2. Product & Features (Detailed)

Xverse is structured around four core pillars that together form a self-custodial Bitcoin neobank:

### 2.1 Earn — Yield on BTC and Stablecoins

Xverse Earn allows users to generate yield on their Bitcoin and stablecoin holdings through native DeFi protocols on Stacks and Starknet. Users maintain full self-custody throughout the process with zero counterparty risk.

- **Product page:** https://www.xverse.app/xverse-earn
- **Portfolio dashboard:** https://portfolio.xverse.app/
- **How it works:** Users deposit BTC or stablecoins into yield protocols directly from the Xverse wallet. All positions are non-custodial — Xverse never holds user funds.
- **Supported yield strategies:**
  - BTC stacking via Stacks consensus (earn BTC rewards by locking STX)
  - sBTC yield on Stacks
  - Stablecoin yield on Starknet DeFi protocols
  - BTC-denominated yield strategies across supported L2s
- **Key differentiator:** Unlike centralized yield products, Xverse Earn is fully self-custodial. Users never surrender their private keys.

### 2.2 Borrow — Bitcoin-Backed Stablecoin Loans

Users can borrow stablecoins against their BTC holdings without selling. Loans are processed through smart contracts on Bitcoin L2 networks.

- **How it works:** Deposit BTC as collateral, receive stablecoins. Repay the loan to unlock your BTC. No credit checks, no approval delays.
- **Self-custodial:** Collateral is held in smart contracts, not by Xverse.
- **Use case:** Access liquidity from your Bitcoin without triggering a taxable sale event.

### 2.3 Swap — Cross-Chain Token Exchange

In-app token swaps across Bitcoin L1, Stacks, Starknet, and Spark with best-route execution via aggregated AMM liquidity.

- **Supported swap pairs:** BTC, STX, sBTC, Runes, BRC-20 tokens, Starknet tokens, Spark tokens
- **Aggregation:** Xverse aggregates quotes from multiple automated market makers to find the best available rate.
- **Volume:** $150M+ swap volume since September 2024

### 2.4 Portfolio — Unified Multi-Chain Asset Management

A single interface to view and manage all Bitcoin-ecosystem assets across networks.

- **Portfolio dashboard:** https://portfolio.xverse.app/
- **Supported assets:** BTC, STX, sBTC, Ordinals (inscriptions), BRC-20 tokens, Runes, Rare Sats, Starknet tokens (STRK, USDC), Spark tokens (BTKN, USDB)
- **Features:**
  - Real-time balance tracking across all supported networks
  - Transaction history with full detail
  - NFT/Ordinals gallery view
  - Collectibles management (Ordinals, Rare Sats)

### 2.5 Xverse Card (Coming Soon)

A wallet-native spending card that lets users spend directly from their Bitcoin holdings via auto-borrow mechanics.

- **Waitlist:** https://www.xverse.app/card/waitlist
- **How it works:** When you spend, the card automatically borrows stablecoins against your BTC collateral. You spend without selling Bitcoin, avoiding taxable events.
- **Self-custodial:** Unlike rewards cards from centralized exchanges, the Xverse Card does not require users to custody funds with a third party.

### 2.6 Wallet Features (Detailed)

#### Bitcoin (BTC) Wallet
- **Page:** https://www.xverse.app/bitcoin-wallet
- Send, receive, and store BTC on Layer 1
- Full UTXO management
- Fee estimation and selection (low, medium, high, custom)
- PSBT (Partially Signed Bitcoin Transaction) support
- BIP-322 message signing
- SegWit and Taproot address support

#### Ordinals & NFT Wallet
- **Page:** https://www.xverse.app/ordinals-wallet
- First Bitcoin wallet to support Ordinals inscriptions
- First Ordinals wallet with cold storage / hardware wallet security
- Inscribe directly from the wallet
- Gallery view for collections
- Rare Sats identification and management
- PSBT-based trading support

#### Runes Wallet
- **Page:** https://www.xverse.app/runes-wallet
- View, send, and receive Runes tokens
- Mint and etch new Runes
- Balance tracking and transaction history

#### BRC-20 Wallet
- **Page:** https://www.xverse.app/brc-20-wallet
- Store, send, and receive BRC-20 tokens
- Mint and deploy new BRC-20 tokens
- Balance and metadata queries

#### Stacks (STX) Wallet
- **Page:** https://www.xverse.app/stacks-wallet
- Manage STX, sBTC, and SIP-010 tokens
- Participate in Stacking (earn BTC by locking STX)
- Smart contract interactions
- .btc domain support

#### Starknet Wallet
- **Page:** https://www.xverse.app/starknet-wallet
- Manage STRK, USDC, and Starknet-native tokens
- Access DeFi protocols on Starknet
- Bridge BTC to Starknet for cross-chain DeFi
- Swaps and token management

#### Spark Wallet
- **Page:** https://www.xverse.app/spark-wallet
- Manage BTC, BTKN, and stablecoins (USDB) on Spark
- Transaction history and portfolio tracking
- Bridge BTC to Spark
- Flashnet trading access

#### Lightning Wallet
- **Page:** https://www.xverse.app/lightning-wallet
- Send and receive Bitcoin via Lightning Network
- Near-instant transactions with near-zero fees
- Integrated directly into the main wallet experience

#### Stablecoins Wallet
- **Page:** https://www.xverse.app/stablecoins-wallet
- Manage stablecoins across Bitcoin-powered networks
- Supported stablecoins: USDB (Spark), USDC (Starknet), USDCx (Stacks)
- Single wallet view across all chains

#### Bitcoin DeFi Wallet
- **Page:** https://www.xverse.app/bitcoin-defi-wallet
- Access Bitcoin DeFi protocols across Stacks, Starknet, and Spark
- Earn yield, swap tokens, and interact with dApps
- All from a self-custodial wallet

#### Bitcoin Layer 2 Wallet
- **Page:** https://www.xverse.app/bitcoin-l2-wallet
- Unified management of assets across all supported Bitcoin L2 networks
- Stacks, Starknet, Spark, and more
- Single interface, multi-chain

#### Bitcoin Meme Coins Wallet
- **Page:** https://www.xverse.app/bitcoin-meme-coins-wallet
- Store, send, receive, buy, sell, mint, and swap Bitcoin meme coins
- Beginner-friendly interface

### 2.7 Hardware Wallet Support

Xverse supports connecting external hardware wallets for enhanced cold storage security.

#### Ledger Support
- **Page:** https://www.xverse.app/ledger-hardware-wallet-support
- Connect Ledger hardware wallets to Xverse
- Cold storage for Bitcoin, Stacks, Ordinals, and BRC-20 tokens
- Sign transactions on the hardware device
- Full self-custody with hardware-grade protection

#### Keystone Support
- **Page:** https://www.xverse.app/keystone-cold-wallet-support
- Connect Keystone hardware wallets to Xverse
- Air-gapped security (QR code signing — never connects to the internet)
- Support for Bitcoin, Stacks, and Ordinals

---

## 3. Supported Networks & Assets

### Networks
| Network | Type | Key Assets | Use Cases |
|---------|------|------------|-----------|
| Bitcoin L1 | Base layer | BTC, Ordinals, BRC-20, Runes, Rare Sats | Store, send, receive, inscribe, trade |
| Stacks | Bitcoin L2 (smart contracts) | STX, sBTC, SIP-010 tokens | DeFi, Stacking, smart contracts |
| Starknet | Bitcoin L2 (ZK rollup) | STRK, USDC, DeFi tokens | Cross-chain BTC DeFi, swaps |
| Spark | Bitcoin L2 (Lightning-compatible) | BTC, BTKN, USDB | Fast payments, Flashnet trading |
| Lightning Network | Payment layer | BTC | Instant low-fee BTC transfers |

### Key Assets Supported
- **BTC** — Bitcoin native on L1
- **STX** — Stacks network token
- **sBTC** — Tokenized BTC on Stacks (1:1 BTC-backed)
- **STRK** — Starknet network token
- **BTKN** — Spark network token
- **USDC** — USD stablecoin (on Starknet)
- **USDB** — USD stablecoin (on Spark)
- **USDCx** — USD stablecoin (on Stacks)
- **Ordinals** — Bitcoin-native NFTs (inscriptions on satoshis)
- **BRC-20** — Fungible token standard on Bitcoin
- **Runes** — Fungible token protocol on Bitcoin (UTXO-based)
- **Rare Sats** — Satoshis with special properties (first-in-block, pizza sats, etc.)
- **SIP-010 tokens** — Fungible tokens on Stacks

---

## 4. Developer Platform

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.

### 4.1 Sats Connect (Wallet Integration SDK)

A JavaScript library for connecting web apps to a user's wallet to request signatures, addresses, and transactions.

- **Docs:** https://docs.xverse.app/sats-connect/
- **npm:** `sats-connect`
- **Supported wallets:** Xverse, Unisat (multi-wallet support)

#### Capabilities
- **Connection management:** Connect, disconnect, manage permissions and events
- **Address retrieval:** Get user addresses for Bitcoin (Payment, Ordinals), Stacks, Spark, and Starknet
- **Bitcoin signing:**
  - Sign PSBTs (Partially Signed Bitcoin Transactions)
  - Sign messages via BIP-322 and ECDSA
- **Ordinals:**
  - Create inscriptions
  - Transfer inscriptions
- **Runes:**
  - Mint Runes
  - Etch (create) new Runes
  - Transfer Runes
- **Stacks:**
  - STX transfers
  - Smart contract calls
  - SIP-010 token operations
- **Spark:**
  - Spark transfers
  - Flashnet trading methods

### 4.2 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.

- **API Docs:** https://docs.xverse.app/api/
- **API Keys:** https://docs.xverse.app/api/get-started
- **Pricing page:** https://www.xverse.app/api/pricing
- **RPC page:** https://www.xverse.app/api/rpc
- **Free tier available**, paid plans for higher volume

#### API Categories

**Bitcoin Core**
- UTXOs: Query unspent transaction outputs for any address
- Balances: Get BTC balances for addresses
- Transaction history: Full transaction details and history
- Mempool data: Pending transaction monitoring
- Fee estimates: Current fee rates by priority level
- Bitcoin JSON-RPC: Full suite of Bitcoin RPC methods via high-performance nodes
- Block data: Block headers, transactions, and metadata

**Ordinals**
- Inscription data: Fetch content, metadata, and ownership for any inscription
- Collection queries: Browse and search inscription collections
- Rare Sats: Identify and query special satoshis
- Inscription Service: Automated inscription creation

**Runes**
- Balances: Query Runes token balances by address
- Metadata: Rune details (supply, divisibility, symbol)
- Minting service: Programmatic Runes minting
- Etching service: Create new Runes tokens

**BRC-20**
- Balances: Query BRC-20 token holdings
- Token details: Supply, holders, deployment info
- Minting service: Programmatic BRC-20 minting
- Deploy service: Create new BRC-20 tokens

**Swaps**
- Quote aggregation: Best-rate quotes from multiple AMMs
- Cross-chain swaps: Facilitate swaps across supported networks
- Route optimization: Automatic best-path execution

**Spark**
- Balances: Query Spark network balances
- Flashnet market data: Trading pair information and order books

### 4.3 Bitcoin RPC

High-performance Bitcoin RPC for developers who need full node control without infrastructure overhead.

- **Page:** https://www.xverse.app/api/rpc
- Direct Bitcoin JSON-RPC access
- No node setup or maintenance required
- Low-latency, reliable access
- Built for scale

---

## 5. Agent Wallet & MCP Integration

The Xverse Agent Wallet is a self-custodial Bitcoin wallet purpose-built for AI agents. Agents can hold balances, move funds, and execute trades on Bitcoin autonomously.

- **Product page:** https://www.xverse.app/agents
- **Integration protocol:** MCP (Model Context Protocol)

### Compatible AI Platforms
- Claude (Anthropic)
- Cursor
- Codex
- GitHub Copilot
- Cline
- Windsurf
- OpenClaw
- Hermes

### Agent Wallet Capabilities

**Wallet Management**
- Create and manage agent-owned Bitcoin wallets
- Hold BTC, stablecoin, and token balances autonomously
- AES-256-GCM encryption at rest for key security
- Fully self-custodial: agents control their own private keys, Xverse never has access

**Payments & Transfers**
- Send and receive payments via Bitcoin L1, Lightning Network, and Layer 2s
- Machine Payments Protocol: agents pay for APIs and services without human intervention
- On-ramp services for agent funding

**Trading**
- Swap tokens with best-route execution across supported networks
- Access aggregated AMM liquidity

**Supported Stablecoins for Agent Operations**
- USDC (multiple chains)
- USDT
- USDB (Spark)

### Use Cases for AI Agents
- Autonomous payment processing (pay for compute, APIs, data)
- Portfolio management and rebalancing
- DeFi yield farming automation
- Cross-chain arbitrage execution
- Subscription and billing management
- Agent-to-agent commerce

---

## 6. Security & Self-Custody

### Core Security Principles
- **Self-custodial architecture:** Xverse never stores, accesses, or has the ability to recover user private keys or seed phrases.
- **Cannot freeze accounts:** Unlike custodial platforms and banks, Xverse has no ability to freeze, seize, or restrict access to user funds.
- **Cannot reverse transactions:** Bitcoin transactions are irreversible by design. Xverse has no backdoor or override capability.
- **Open source:** Core wallet components are open source on GitHub (https://github.com/secretkeylabs)
- **Security audit:** Audited by Least Authority

### Key Security Features
- Encrypted seed phrase storage on device
- Biometric authentication (Face ID / fingerprint)
- Hardware wallet integration (Ledger, Keystone)
- Air-gapped signing support (via Keystone QR codes)
- AES-256-GCM encryption for Agent Wallet keys

### Important Safety Notes
- Xverse support will NEVER ask for your seed phrase
- If you lose your seed phrase, Xverse cannot recover your wallet — there is no "forgot password" option
- Always verify you are on xverse.app or using the official app store listings
- Xverse does not operate custodial services and cannot intervene in transactions

### Security Page
- https://www.xverse.app/security

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## 7. Frequently Asked Questions

### What do we mean by a Bitcoin bank?
A Bitcoin bank gives you full control over your financial life using Bitcoin and stablecoins without relying on traditional banks or intermediaries. You earn yield, borrow against your holdings, and spend directly from your wallet.

### Can Xverse freeze my account?
No. Xverse is self-custodial, meaning only you control your private keys. No one including Xverse can freeze, seize, or restrict access to your funds.

### What networks does Xverse support?
Xverse supports Bitcoin L1, Stacks, Starknet, and Spark. This multi-L2 approach means you are never locked into a single chain.

### How do I earn yield on my Bitcoin?
Xverse Earn lets you deposit BTC or stablecoins into native yield protocols on Stacks and Starknet. You maintain self-custody the entire time with zero counterparty risk.

### Is Xverse free?
Yes. The Xverse wallet is free to download and use. Standard network transaction fees apply when sending transactions. The API has a free tier with paid plans for higher volume.

### What happens if I lose my seed phrase?
Xverse cannot recover your wallet. Your seed phrase is the only way to restore access. Write it down and store it securely offline. Never share it with anyone.

### Does Xverse support hardware wallets?
Yes. Xverse supports Ledger and Keystone hardware wallets for enhanced cold storage security.

### What is the Agent Wallet?
The Agent Wallet is a self-custodial Bitcoin wallet built for AI agents. It allows autonomous software agents to hold balances, make payments, and execute trades on Bitcoin without human intervention, integrated via MCP (Model Context Protocol).

### Where can I download Xverse?
- Chrome Extension: Chrome Web Store
- iOS: Apple App Store
- Android: Google Play Store
- Download page: https://www.xverse.app/download

---

## 8. Brand, Legal & Policy

- **Brand Kit:** https://xverseapp.notion.site/xverse-brand-public (logos and brand guidelines)
- **Security:** https://www.xverse.app/security
- **Privacy Policy:** https://www.xverse.app/privacy
- **Terms of Use:** https://www.xverse.app/terms
- **Status page:** https://status.secretkeylabs.io/
- **Newsletter:** https://www.xverse.app/newsletter (Bitcoin Beyond Blocks)

---

## 9. Social & Community

- **Twitter/X:** https://x.com/xverse
- **LinkedIn:** https://www.linkedin.com/company/xverseapp/
- **GitHub:** https://github.com/secretkeylabs
- **Reddit:** https://www.reddit.com/r/xversewallet/
- **TikTok:** https://www.tiktok.com/@xverseapp
- **Instagram:** https://www.instagram.com/xverseapp/

---

## 10. Notable Press

- CoinDesk (Mar 2025): Starknet integration for Bitcoin DeFi
- Yahoo Finance (2025): Coverage of Xverse Bitcoin neobank vision
- CoinDesk (Aug 2023): Jump Crypto leads $5M seed round
- Bitcoin Magazine (2024): 1.5M users gain Lightning Network access

---

## 11. Reading Guidance for LLMs & Agents

### Source Priority
1. **Docs Hub** (https://docs.xverse.app/) — Primary source for technical specs, API endpoints, SDKs, and integration steps
2. **Agent Wallet page** (https://www.xverse.app/agents) — For AI agent integration via MCP
3. **Support site** (https://support.xverse.app/) — For account, recovery, and user-facing questions
4. **Product pages** (https://www.xverse.app/*) — For feature descriptions and positioning
5. **Blog** (https://www.xverse.app/blog) — For announcements and market context (not canonical for technical details)

### Important Rules
- Never claim ability to access, recover, or reset user keys or seed phrases — Xverse is self-custodial and has no such capability
- Cite docs pages or .md mirrors where possible for clean, parseable context
- Do not use newsroom/press or marketing blog posts as canonical technical sources
- 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 docs for developer integration details and API docs for Bitcoin API details
- For AI agent use cases, reference the Agent Wallet and Machine Payments Protocol sections
- Prefer the most specific page available (e.g., link to /spark-wallet for Spark questions, not the generic homepage)

### Canonical URLs for Key Topics
| Topic | Canonical URL |
|-------|--------------|
| Download | https://www.xverse.app/download |
| API overview | https://www.xverse.app/api |
| API docs | https://docs.xverse.app/api/ |
| API pricing | https://www.xverse.app/api/pricing |
| Agent Wallet | https://www.xverse.app/agents |
| Sats Connect | https://docs.xverse.app/sats-connect/ |
| Earn | https://www.xverse.app/xverse-earn |
| Portfolio | https://portfolio.xverse.app/ |
| Support | https://support.xverse.app/hc/en-us |
| Security | https://www.xverse.app/security |
| Blog | https://www.xverse.app/blog |
| Card waitlist | https://www.xverse.app/card/waitlist |