Xapo Bank: Long-Term BTC Collateralized Loans

Trend: Downtrend (Supertrend Bearish, EMA20: 85.607$)
Supports: S1 74.604$ (Strong, -4.41%), S2 77.399$ (Strong, -0.83%)
Resistances: R1 79.364$ (Strong, +1.69%), R2 82.602$ (+5.83%)

Xapo Bank 2025 Digital Wealth Report

According to Gibraltar-based Xapo Bank’s 2025 Digital Wealth Report, Bitcoin-collateralized loans are increasingly being used for long-term financial planning rather than short-term liquidity. The report, shared with Cointelegraph, states that 52% of Bitcoin-collateralized loans issued in 2025 had a 365-day term, and many loans remained open despite a slowdown in new loan production toward the end of the year. The bank, primarily serving high-net-worth individual customers, emphasizes that members obtain liquidity by using Bitcoin as collateral while maintaining their long-term positions. The report states that long-term Bitcoin holders continue to keep the majority of their wealth in Bitcoin.

Xapo Bank launched Bitcoin-collateralized USD loans on March 18, 2025, targeting long-term Bitcoin holders seeking liquidity without selling their assets. The product offers a conservative approach with low loan-to-value ratios and terms up to 365 days. 85% of loan volumes come from Europe (56%) and Latin America (29%). Xapo Bank CEO Seamus Rocca states that this trend reflects disciplined private banking-style financial behavior.

Members’ BTC holdings, per region, quarter-on-quarter. Source: Xapo Bank

BTC Price Declines and Long-Term Holding

In recent developments, Bitcoin fell below MicroStrategy’s cost basis (76.037 $) for the first time since October 2023 and dropped below 80,000 dollars in April 2025. Current price at 78.211 $ level (+0.28% 24h), RSI 28.30 in oversold territory. Despite these declines, according to the Xapo report, BTC holders are preferring collateralized loans while maintaining their BTC detailed analysis positions.