Xapo Bank's latest "2025 Digital Wealth Report" reveals a significant shift in the use of Bitcoin mortgage loans from short-term liquidity needs to long-term financial planning. The report highlights that 52% of the bank's Bitcoin mortgage loans in 2025 have a term of 365 days, with these long-term loans remaining outstanding despite a slowdown in new lending throughout the year. CEO Seamus Rocca attributes this trend to increased confidence in Bitcoin's long-term prospects, leading holders to prefer borrowing over selling. This shift from short-term speculation to long-term financial strategy is further evidenced by the continued growth in outstanding loan balances, even as loan disbursement slowed in the latter half of the year.