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

According to Cointelegraph, the "2025 Digital Wealth Report" released by Xapo Bank in Gibraltar 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 loan term of 365 days, and even as new loans slow down within the year, these long-term loans remain outstanding. The bank's CEO, Seamus Rocca, stated that increased confidence in Bitcoin's long-term prospects is prompting holders to choose borrowing over selling, indicating a shift from short-term speculation to long-term thinking. The report notes that although the pace of loan issuance slowed in the second half of the year, the outstanding loan balance continues to grow, suggesting that borrowers are using loans as a long-term tool.