Xapo Bank: The usage model of Bitcoin mortgage lending business is shifting from short-term liquidity to long-term financial planning According to Cointelegraph, the "2025 Digital Wealth Report" released by Gibraltar bank Xapo Bank shows that the usage pattern of its Bitcoin mortgage lending 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 maturity of 365 days, and these long-term loans remain outstanding even when new loans slow down during the year. The CEO of the bank, Seamus Rocca, stated that the increased confidence in the long-term prospects of Bitcoin has prompted holders to choose to borrow rather than sell, indicating a shift from short-term speculation to long-term thinking. The report points out that although the loan disbursement speed slowed down in the second half of the year, the outstanding loan balance continued to grow, indicating that borrowers are using loans as long-term tools.