Xapo Bank: The usage pattern of bitcoin-backed loans is shifting from short-term liquidity to long-term financial planning
PANews, February 3rd – According to Cointelegraph, the "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 52% of the bitcoin-backed loans issued by the bank in 2025 have a term of 365 days, and even when new loan issuance slowed during the year, these long-term loans remained outstanding.
The bank's CEO, Seamus Rocca, stated that growing confidence in the long-term outlook for bitcoin is prompting holders to choose borrowing rather than 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.
Disclaimer: The content of this article solely reflects the author's opinion and does not represent the platform in any capacity. This article is not intended to serve as a reference for making investment decisions.
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