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.