Xapo Bank: The usage pattern of Bitcoin collateral loans is shifting from short-term liquidity to long-term financial planning

PANews February 3 News, according to Cointelegraph, the report titled “2025 Digital Wealth Report” released by Gibraltar-based Xapo Bank shows that the usage pattern of its Bitcoin-backed loan business is shifting from short-term liquidity to long-term financial planning. The report states that among the Bitcoin-backed loans issued by the bank in 2025, 52% have a loan term of 365 days, and even as new loans slowed within the year, these long-term loans remained outstanding. CEO Seamus Rocca said that increased confidence in Bitcoin’s long-term prospects has prompted holders to choose borrowing over selling, indicating a shift from short-term speculation to long-term thinking. The report points out that although the pace of loan issuance slowed in the second half of the year, the outstanding loan balance continued to grow, suggesting that borrowers are using loans as a long-term tool.