Nick is currently the Head of Product Design for Xapo, building a global bank account and leading a team of product designers across multiple cross functional teams. He has extensive work in the Fintech industry having previously formed the founding team of LOOT, a student bank. Nick maintains a hands-on approach and regularly assists with feature definition and design. In the past he's designed for brands such as Bó, Natwest and Coconut.

Chloë runs UX Research at Xapo, which specialises in international banking, saving and bitcoin. Previously she was part of the original Digital Transformation Team at the non-departmental government body the Big Lottery Fund where she lead Service Design and UX Research for Europe’s biggest grant-maker and worked within the GDS framework. Having previously worked for brands such as Agent Provocateur, Selfridges and Elemis, her experience spans public sector, private sector and e-commerce, meaning that she is able to draw from a broad palette of experience in order to inform decisions. In her spare time, Chloe is a grammy-nominated musician, performing and touring in two critically-acclaimed British rock bands.

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