Xapo Bank’s Digital Wealth Report says borrowers are keeping Bitcoin-backed loans open longer during the product’s first year of activity.
Update Feb. 4, 2026, 7:20 UTC: This article has been updated to add comments from a Xapo Bank spokesperson.
Bitcoin-backed borrowing at the Gibraltar-based Xapo Bank is increasingly being used for long-term financial planning rather than short-term liquidity, according to the bank’s 2025 Digital Wealth Report.
Shared with Cointelegraph, the report says 52% of the Bitcoin-backed loans issued by Xapo in 2025 carried a 365-day term, with many of those loans remaining open even as new loan creation slowed later in the year.
You can get bonuses upto $100 FREE BONUS when you:
💰 Install these recommended apps:
💲 SocialGood - 100% Crypto Back on Everyday Shopping
💲 xPortal - The DeFi For The Next Billion
💲 CryptoTab Browser - Lightweight, fast, and ready to mine!
💰 Register on these recommended exchanges:
🟡 Binance🟡 Bitfinex🟡 Bitmart🟡 Bittrex🟡 Bitget
🟡 CoinEx🟡 Crypto.com🟡 Gate.io🟡 Huobi🟡 Kucoin.
Comments