Introducing Crypto + xStocks bundles

Investing no longer fits neatly into a single category. Today’s investors think about their portfolios holistically, as they span asset classes and combine the growth potential of crypto with the stability and familiarity of traditional equities.

That’s why we’re introducing our new Crypto + xStocks bundles today: a simpler way to build a modern, diversified multi-asset portfolio, all with just one tap. 

These curated portfolios combine digital assets with Payward’s industry-leading tokenized U.S. stocks and ETFs offering (xStocks) into a single, auto-rebalanced investment. Instead of choosing between crypto and equities or managing positions separately, you can now access both in one place, with allocations that stay balanced over time.

A modern portfolio, made simple

For many investors, diversification means blending different types of assets to manage risk and capture opportunity across market cycles. Crypto and equities often play complementary roles. Crypto offers exposure to innovation and assets with high-growth potential, while equities provide access to more established companies and funds.

Crypto + xStocks bundles bring these worlds together seamlessly. 

How bundles work

Bundles are pre-built, automatically managed portfolios that give you instant exposure to crypto or a mix of crypto and xStocks without the complexity of managing each position individually. Allocations are curated and automatically rebalanced to stay on track, while still giving you full control to sell, unbundle, or set up recurring buys at any time.

Designed for today’s investor, bundles reflect a more modern approach to portfolio construction by blending digital assets with traditional equities to create diversified exposure to a range of asset classes inside a single, streamlined investment experience.

Examples of Crypto + xStocks Bundles include:

S&P 500 + Bitcoin: A core portfolio pairing broad U.S. market exposure (SPYx) with Bitcoin, combining traditional performance with digital asset growth.
Big Tech + Crypto: Onchain exposure to leading technology companies (Apple, Amazon, Alphabet, Meta, Microsoft, NVIDIA, Tesla) alongside top digital assets like Bitcoin, Ethereum, and Solana.

What are xStocks?

xStocks are tokenized representations of U.S. stocks and ETFs that bring traditional equities onto crypto rails. Each xStock is 1:1 backed by the underlying asset, giving investors direct, transparent exposure to real-world equities in a digital format.

Designed to be an industry-leading framework for tokenized equities, xStocks have already processed more than $25 billion in transaction volume over the past year, reflecting strong adoption and growing demand for on-chain access to traditional markets. Unlike closed systems, xStocks are designed to be portable and interoperable, meaning they can be traded and transacted beyond the Kraken platform.

This creates a more flexible investing experience with fractional access to leading companies and indices, extended market availability, and seamless integration alongside your crypto holdings. With xStocks, equities are no longer siloed; they have become a core, composable part of a unified, multi-asset portfolio.

Everything in one place

Crypto + xStocks bundles remove the friction from multi-asset investing. You can build a diversified portfolio instantly, stay aligned with automatic rebalancing, and adjust your positions anytime—all within a single app.

And for Kraken+ members, bundles come with zero trading fees, making it even easier to invest across asset classes.

Everything you want to invest in, crypto and stocks, now works together, in one place.

The availability of Crypto + xStocks Bundles may vary by region. These offerings will launch initially in select geographies, with broader rollout planned over time.

xStocks are issued by Backed Assets (JE) Limited (a Jersey private limited company) and offered to eligible Kraken customers via Payward Digital Solutions Ltd. (“PDSL”), a company licensed to conduct digital asset business by the Bermuda Monetary Authority. xStocks are not nor will be registered with any local securities regulators. PDSL (Kraken) does not provide investment advice and/or recommendations, and, no communication, through any Kraken App or website or otherwise, should be construed as such. Individual investors should make their own decisions or seek professional independent advice if they are unsure as to the suitability/appropriateness of any investment for their circumstances or needs, including potential tax treatment. Investing in xStocks involves an element of risk. The value of an investment may go down as well as up, and past performance is not a reliable indicator of future results. Not available in the U.S. or to U.S. persons. Geo restrictions apply. Read Kraken’s xStocks Risk Disclosure at kraken.com/legal/xstocks as well as the Base Prospectus and related Final Terms for xStocks at https://assets.backed.fi/legal-documentation to learn more.

Kraken+ is an automatically renewing subscription requiring recurring payments. Cancel anytime. Price is inclusive of applicable taxes (i.e., VAT) where required. In other regions, the price shown does not include taxes, which will be added at the time of purchase where applicable. Subscription benefits vary by region and may be modified by Kraken at any time upon notice. Zero-fee trading is subject to monthly trading-volume limits, which can be viewed in your account settings. Spread and payment processing fees still apply. Boosted USDG/USDG Rewards, including the Rewards rate, is subject to change and is not available in all regions. See our Terms of Service for more info. Other fees may apply.

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