BitGo
Digital asset infrastructure company offering qualified custody, wallets, trading and stablecoin services.
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BitGo key facts
| Category | Crypto infrastructure for businesses |
|---|---|
| Platforms | Web, API, SDK |
| Company | BitGo, Inc. (NYSE: BTGO), founded 2013 by Mike Belshe |
| US availability | BitGo Bank & Trust, N.A. (OCC); NY trust company regulated by NYDFS; money transmitter licenses in certain states, others pending |
| Fees | Custody fee in bps on average monthly USD balance; fees only on outgoing transfers outside your enterprise; rates set per agreement |
| Security audits | Third-party audits including SOC attestations; $250M insurance where BitGo Bank & Trust holds all keys |
| Launched | 2013 |
| Pricing | Set in each client agreement: bps on average monthly assets under custody and on outgoing transactions |
What is BitGo?
BitGo is a digital asset infrastructure company that provides qualified custody, multisig wallets, trading and stablecoin-as-a-service to institutions. Founded in 2013 and listed on the NYSE as BTGO, it runs BitGo Bank & Trust, National Association, chartered under the OCC, plus a New York trust company and licensed entities in Singapore, Dubai and Switzerland.
How BitGo works
BitGo wallets use multi-signature or MPC key schemes.
In a self-custody hot wallet you hold the user key and the backup key, and BitGo holds the third, platform key: you sign first, and BitGo countersigns only if the transaction passes the policies you set, such as whitelists and velocity limits. In a self-custody cold wallet you control two of three keys offline, half-sign transactions offline and upload them for countersigning. In qualified custody, BitGo Bank & Trust holds the keys in offline cold storage.
Staking runs from hot wallets through BitGo, Inc. and from custody wallets through BitGo Bank & Trust. You pick an asset, BitGo delegates to its own validators or ones you choose, and rewards show in a reporting dashboard. The staking page says assets are not pooled and can be unstaked without affecting rewards already earned. BitGo also supports BTC staking with Babylon and Core, and native ETH restaking plus EIGEN staking through EigenLayer in cold, hot and custody wallets.
How to start with BitGo
- Businesses onboard through the Connect With Us form or the sign-up at app.bitgo.com.
- Developers start in the developer portal: create access tokens, install the JavaScript SDK or BitGo Express, then follow a use-case guide.
- Custody Starter Architecture sets up a custody wallet, a standby wallet and a deposit and withdrawal wallet with whitelists.
- The Crypto-as-a-Service guides cover KYC and KYB for your own end users, Go Accounts, trading and fiat withdrawals to a bank account.
BitGo fees and limits
BitGo sets prices in each client agreement but publishes how invoices are calculated. Custody is billed as an assets-under-custody fee in basis points on each asset's average USD balance for the month, sampled every hour. Transaction fees apply only to outgoing transfers to addresses outside your BitGo enterprise and are tiered on each asset's monthly outgoing USD volume. Transfers between your own wallets and Go Account are free, and overage fees apply above the allowances in your agreement.
Risks to know before using BitGo
- BitGo Bank & Trust carries a $250 million insurance policy from a syndicate of Lloyd's of London and European insurers, but it applies where the bank holds all of the keys, which leaves out self-custody wallets where you keep keys.
- Cold-staked funds are covered because BitGo holds the staking account keys.
- BitGo Technologies, LLC is a FinCEN-registered money services business with money transmitter licenses in certain states and applications pending for nationwide coverage, so some services may not reach every state yet.
BitGo alternatives
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Where BitGo ranks on DappAtlas
Listed next to BitGo
- Gemini Crypto exchange
- ZenGo Crypto wallet
- Dfns Crypto infrastructure for businesses
- MetaMask Embedded Wallets Developer infrastructure
- Safe{Wallet} Multisig wallet
- Squads Multisig wallet
BitGo pros and cons
- National trust bank charter from the OCC
- Licensed entities in the US, Singapore, UAE and Switzerland
- Self-custody hot and cold wallets alongside qualified custody
- Not a SIPC or FINRA member; custodied assets are not FDIC insured
- Aimed at institutions, not retail users
- Money transmitter licenses still pending in some US states
BitGo FAQ
What is BitGo?
BitGo is a digital asset infrastructure company that provides qualified custody, multisig wallets, trading and stablecoin-as-a-service to institutions. Founded in 2013 and listed on the NYSE as BTGO, it runs BitGo Bank & Trust, National Association, chartered under the OCC, plus a New York trust company and licensed entities in Singapore, Dubai and Switzerland.
How much does BitGo cost?
Custody fee in bps on average monthly USD balance; fees only on outgoing transfers outside your enterprise; rates set per agreement, according to BitGo’s own page (checked Sep 26, 2026).
Is BitGo available in the US?
BitGo Bank & Trust, N.A. (OCC); NY trust company regulated by NYDFS; money transmitter licenses in certain states, others pending, according to BitGo’s own page (checked Sep 26, 2026).
Does BitGo hold my funds?
Yes. BitGo is custodial: it holds the keys to your balance.
Sources
How this page works
Sources: BitGo: official site, BitGo: About us, BitGo: Global licenses. Data as of Oct 1, 2026.
Not affiliated with any project listed. Educational content, not financial advice.