XEROF

Custody

Crypto custody, segregated and Swiss regulated

XEROF holds your cryptoassets in one dedicated on-chain wallet, opened for you alone and never pooled with other clients. FE Swiss Financial AG holds the keys on institutional custody infrastructure with disaster-recovery cover, and the same wallet feeds settlement and payouts, so every conversion and every payment starts from assets that are already under Swiss regulated custody.

How custody works

  • Segregated custody means a wallet that exists for one client only. Every deposit you make lands at an address that belongs to your file, and every balance you see is the on-chain balance of that wallet, not a share of a larger pot. XEROF opens one such wallet per client, whether the client is a company or an individual.
  • Pooled or omnibus custody works the other way round. Client assets sit together in a small number of large wallets and the custodian keeps an internal ledger of who owns what. That ledger is only as good as the custodian's books, and if the provider fails its clients can find themselves as unsecured creditors of a mixed pot. Segregation removes that dependency: your assets are identifiable on chain at any time.
  • FE Swiss Financial AG holds the keys. Custody is a regulated activity for XEROF, so the keys are held and operated by the regulated entity you contract with, not by a third party you have never dealt with. Key material is managed on institutional custody infrastructure with hardware-isolated key management and disaster-recovery cover, so the loss of a single device or site is covered.
  • Deposits. You receive a deposit address on your own wallet for each supported asset. Incoming transfers are screened on chain before they are credited, and the credited balance appears in XEROF Online with the transaction reference, so it reconciles against your own records.
  • Withdrawals. You instruct a transfer to an address you specify. Instructions are accepted only from the signatories agreed at onboarding, the destination address and network are confirmed before release, and the transaction hash is reported to you once the transfer is on chain.
  • Custody and settlement work as one account. Assets held in your wallet can be converted to USD, EUR, CHF or GBP in XEROF Online without first being moved anywhere, and the proceeds of a conversion from fiat into crypto settle straight back into the same wallet.
  • Custody and payouts. A payout instruction is funded from stablecoins already held in your wallet. XEROF converts the USDT or USDC and pays the beneficiary in fiat, so treasury held under custody can settle supplier invoices without a separate transfer to a third party first.
  • Who uses it. Institutions and asset managers that need client assets held apart from the service provider's own, Web3 companies holding treasury in stablecoins between payment runs, family offices and high net worth individuals who want a Swiss custodian rather than self-custody, and companies settling real estate or other large transactions in crypto.
  • Supported assets. Bitcoin (BTC), Ethereum (ETH), Solana (SOL), and the stablecoins USD Coin (USDC) and Tether (USDT). Fiat legs for conversion in USD, EUR, CHF and GBP.
  • Regulated since 2021. FE Swiss Financial AG, trading as XEROF, is supervised under the Swiss Anti-Money Laundering Act as a member of the self-regulatory organisation VQF, membership No. 100954, for its custody, settlement and payment activities. Based in Zug, Switzerland.
  • Reporting. Balances, statements and transaction history are available in XEROF Online, the client workspace, with wallet addresses shown so that your auditor or accountant can verify holdings directly on chain.
Open accountSee pricing

Custody at a glance

Wallet model
One dedicated on-chain wallet per client, never pooled
Key holding
FE Swiss Financial AG, the regulated entity, holds the keys
Infrastructure
Institutional custody infrastructure with hardware-isolated key management and disaster-recovery cover
Cryptoassets
Bitcoin (BTC), Ethereum (ETH), Solana (SOL)
Stablecoins
USD Coin (USDC), Tether (USDT)
Fiat for conversion
US dollar, euro, Swiss franc, pound sterling
Deposits
To your wallet's own address for each asset, screened on chain before credit
Withdrawals
To an address you specify, instructed by agreed signatories, confirmed before release
Reporting
Balances, statements and transaction history in XEROF Online
Regulation
Swiss Anti-Money Laundering Act, VQF member No. 100954, since 2021
Fees
Charged only on assets held beyond the settlement window. See pricing.

Custody questions

What is segregated crypto custody?
A custody model in which each client has a wallet of their own. XEROF opens one dedicated on-chain wallet per client and holds your assets there, never pooled with other clients or with XEROF's own assets. The balance you see is the actual on-chain balance of your wallet.
How is segregated custody different from pooled or omnibus custody?
In pooled or omnibus custody, many clients' assets sit in shared wallets and ownership is recorded only on the custodian's internal ledger. In segregated custody the separation is on chain, so your holdings can be verified independently and are not mixed with other clients' assets or with the custodian's own obligations.
Who holds the keys to my wallet?
FE Swiss Financial AG, the Swiss regulated entity behind XEROF, holds the keys. Key management runs on institutional custody infrastructure with hardware-isolated key management and disaster-recovery cover. You do not need to manage keys, seed phrases or hardware devices yourself.
How do I deposit and withdraw assets?
You transfer to the deposit address of your wallet for the relevant asset, and incoming transfers are screened before they are credited. To withdraw, you instruct a transfer to an address you specify. The instruction must come from a signatory agreed at onboarding, and the destination address and network are confirmed before release.
Which assets can be held in custody?
Bitcoin (BTC), Ethereum (ETH), Solana (SOL), USD Coin (USDC) and Tether (USDT). Assets held in custody can be converted to USD, EUR, CHF or GBP in XEROF Online; USDT and USDC held on Ethereum (ERC-20) can also fund payouts to third-party beneficiaries.
Do I need custody to use settlement or payouts?
Every client has a segregated wallet, because conversions and payouts settle through it.
Who is XEROF custody designed for?
Institutions and asset managers that need client assets held apart from the service provider, Web3 companies holding stablecoin treasury, family offices and high net worth individuals who prefer a regulated Swiss custodian to self-custody, and companies settling large transactions such as real estate in crypto.
Is XEROF a regulated crypto custodian?
Yes. FE Swiss Financial AG, trading as XEROF, has been Swiss regulated since 2021. It is supervised under the Swiss Anti-Money Laundering Act as a member of the self-regulatory organisation VQF, membership No. 100954, for its custody, settlement and payment activities, and is based in Zug, Switzerland.

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