Bitcoin-backed borrowing is changing fast. Xapo Bank says more than half of its Bitcoin-backed loans in 2025 ran for a full year, not a few weeks or months. That shift happened as Bitcoin traded through sharp swings, pushing long-term holders to plan instead of panic. Borrowing against Bitcoin used to mean short-term cash for survival. Now it looks more like structured financial planning, the kind you expect from private banking, not crypto trading. The move fits a wider trend. As Bitcoin matures and in ...