According to a report released by Xapo Bank in Gibraltar on February 3rd, the "2025 Digital Wealth Report" 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 term of 365 days, and these long-term loans remain outstanding even with a slowdown in new lending 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 points out that although loan issuance slowed in the second half of the year, the outstanding loan balance continued to grow, indicating that borrowers are using loans as a long-term tool.