Xapo CEO reports wealthy Bitcoin holders shift to loans and yield as investment habits mature

Xapo Bank CEO Seamus Rocca said Xapo customers are using Bitcoin as collateral for loans and accumulating more BTC through interest on dollar savings, reflecting Bitcoin's growing maturity. This shift moves from speculation toward private banking, driven by demand from funds and family offices for income and accumulation products. Some early adopters are taking profits, while others prefer borrowing against their holdings for liquidity.