Xapo Bank: The use of Bitcoin mortgage lending is shifting from short-term liquidity to long-term financial planning.

PANews reported on February 3rd that, according to Cointelegraph, Xapo Bank's "2025 Digital Wealth Report" shows that the usage pattern of its Bitcoin mortgage loan business is shifting from short-term liquidity to long-term financial planning. The report states that 52% of the Bitcoin mortgage loans issued by the bank in 2025 have a term of 365 days, and these long-term loans remain outstanding even as new lending slows throughout the year.

The bank's CEO, Seamus Rocca, stated that increased confidence in Bitcoin's long-term prospects has prompted holders to choose borrowing rather than selling, demonstrating a shift from short-term speculation to long-term thinking. The report notes that despite a slowdown in loan disbursement in the second half of the year, outstanding loan balances continued to grow, indicating that borrowers are using loans as a long-term tool.