Bitcoin borrowing shifts from short-term liquidity to long-term planning—According to XapoXapo Bank's Digital Wealth Report, borrowers tend to hold Bitcoin-backed loans for a longer period without repayment during the first year of the product. This indicates a change in borrower behavior, where initial borrowing is used for immediate needs, but over time, users see the value in maintaining their Bitcoin collateral to support longer-term financial strategies. The report highlights that as the market matures, more individuals are leveraging Bitcoin as a sustainable asset for future planning rather than just short-term liquidity.