Investing no longer fits neatly into one category. Today’s investors view their portfolios holistically, as they span asset classes and combine the growth potential of cryptocurrencies with the stability and familiarity of traditional stocks.
That’s why today we’re introducing our new Crypto + xStocks plans: a simpler way to create a modern, diversified multi-asset portfolio, all with just one click.
These curated portfolios combine digital assets with Payward’s industry-leading tokenized U.S. stocks and ETFs (xStocks) offering into a single self-rebalancing investment. Instead of choosing between crypto and stocks or managing positions separately, you can now access both in one place, with allocations that remain balanced over time.
A modern, simplified wallet
For many investors, diversification means mixing different asset types to manage risk and seize opportunities throughout market cycles. Cryptocurrencies and stocks often play complementary roles. Crypto provides exposure to innovation and assets with high growth potential, while stocks provide access to more established companies and funds.
Crypto + xStocks bundles bring these worlds together seamlessly.
How the plans work
Bundles are predefined, 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 organized and automatically rebalanced to stay on track, while giving you full control to sell, unbundle, or set up recurring purchases at any time.
Designed for today’s investor, the bundles reflect a more modern approach to portfolio construction by blending digital assets with traditional stocks to create diversified exposure to a range of asset classes within a single, streamlined investment experience.
Examples of Crypto + xStocks bundles include:
- S&P 500 + Bitcoin: A core portfolio combining broad exposure to the US market (SPYx) with Bitcoin, combining traditional performance and digital asset growth.
- Big tech + crypto: On-chain exposure to leading technology companies (Apple, Amazon, Alphabet, Meta, Microsoft, NVIDIA, Tesla) as well as leading digital assets like Bitcoin, Ethereum and Solana.
What are xStocks?
xStocks are tokenized representations of US stocks and ETFs that bring traditional stocks onto crypto rails. Each xStock is backed 1:1 to the underlying asset, providing investors with direct and transparent exposure to real-world stocks in a digital format.
Designed to be a cutting-edge framework for tokenized stocks, xStocks has already processed over $25 billion in trading 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 exchanged and traded beyond the Kraken platform.
This creates a more flexible investing experience with fractional access to major companies and indices, expanded market availability, and seamless integration alongside your crypto holdings. With xStocks, actions are no longer compartmentalized; they have become a central, composable element of a unified, multi-asset portfolio.
All in one place
Crypto + xStocks bundles remove the friction of multi-asset investing. You can instantly create a diversified portfolio, stay aligned with automatic rebalancing, and adjust your positions at any time, all in one app.
And for Kraken+ members, bundles have no trading fees, making it even easier to invest across all asset classes.
Everything you want to invest in, crypto and stocks, now work together, in one place.
Availability of Crypto + xStocks bundles may vary by region. These offerings will launch initially in select geographies, with a broader rollout planned over time.
xStocks are issued by Backed Assets (JE) Limited (a Jersey limited company) and offered to eligible Kraken customers via Payward Digital Solutions Ltd. (“PDSL”), a company authorized to carry out digital asset business by the Bermuda Monetary Authority. xStocks are not and will not be registered with any local securities regulator. PDSL (Kraken) does not provide investment advice and/or recommendations, and no communication, whether through any Kraken app or website or otherwise, should be construed as such. Individual investors should make their own decisions or seek independent professional advice if they are unsure about the suitability of an investment for their circumstances or needs, including potential tax treatment. Investing in xStocks involves an element of risk. The value of an investment can go up as well as down, and past performance is not a reliable indicator of future results. Not available in the United States or to U.S. persons. Geographic restrictions apply. Read Kraken’s xStocks Risk Disclosure at kraken.com/legal/xstocks and the base prospectus and associated final terms for xStocks at to learn more.
Kraken+ is an auto-renewing subscription requiring recurring payments. Cancel anytime. The price includes applicable taxes (i.e. VAT) where necessary. In other regions, the price displayed does not include taxes, which will be added at the time of purchase if applicable. Subscription benefits vary by region and are subject to change by Kraken at any time upon notice. No-fee trading is subject to monthly trading volume limits, which can be viewed in your account settings. Spread and payment processing fees still apply. USDG/Boosted USDG rewards, including rewards rate, are subject to change and are not available in all regions. See our Terms of use for more information. Other fees may apply.
