{"id":28116,"date":"2026-04-07T13:04:00","date_gmt":"2026-04-07T12:04:00","guid":{"rendered":"https:\/\/investx.fr\/en\/?p=28116"},"modified":"2026-04-07T14:13:09","modified_gmt":"2026-04-07T13:13:09","slug":"bitcoin-borrow-spend-earn","status":"publish","type":"post","link":"https:\/\/investx.fr\/en\/crypto-news\/bitcoin-borrow-spend-earn\/","title":{"rendered":"How to borrow, spend, and earn with your Bitcoin without selling"},"content":{"rendered":"\n

Buy and hold Bitcoin in 2026<\/h2>\n\n\n\n

The “buy and hold” strategy has a proven track record with Bitcoin<\/a>. However, holding onto your satoshis without ever accessing their value is like owning a property and never collecting rent. In 2026, a new generation of financial products is fundamentally changing this equation, allowing holders to buy BTC and use it as leverage without ever triggering a sale.<\/p>\n\n\n\n

The principle is simple: deposit your Bitcoin<\/a> as collateral with an institution, receive dollar liquidity, repay at the agreed term, and get your BTC back intact, along with all the upside accumulated during the loan period.<\/p>\n\n\n\n

How does a BTC-backed loan actually work?<\/h2>\n\n\n\n

With Xapo Bank, you can borrow up to 40%<\/strong> of the value of your deposited Bitcoin collateral, with a maximum amount of 1,000,000 dollars<\/strong> per loan. In practical terms, if a user has 100,000 dollars worth of BTC<\/strong>, they can borrow up to 40,000 dollars<\/strong>.<\/p>\n\n\n\n

Repayments are flexible: 30, 90, 180, or 365 days<\/strong>, with no early repayment penalties. The interest rate is variable, pegged to the US Federal Reserve’s benchmark rates. The major difference compared to platforms that went bankrupt in 2022, such as Celsius and BlockFi, is that Xapo is a fully licensed bank<\/strong>, not just a regulated lending company. The BTC collateral is not rehypothecated; it remains segregated in a secure vault until the loan is fully repaid.<\/p>\n\n\n\n

This ultra-conservative positioning directly addresses the legitimate distrust among holders since the 2022 crash. The USD deposit guarantee of up to a 100,000 euros<\/strong> equivalent and the use of MPC (multi-party computation) technology for key custody further reinforce this security.<\/p>\n\n\n\n

\n

\ud83d\udca5 HODLers, need liquidity without selling your $BTC<\/a>?

Xapo Bank offers
#Bitcoin<\/a>-backed USD* loans up to $1M:

\u25fe Secure MPC custody

\u25feFlexible terms (30\u2013365 days)

\u25feNo early repayment penalties

\u25fe20%\u201340% LTV ratios

A new era for Bitcoin-backed finance!
#BitcoinLoans<\/a>\u2026 pic.twitter.com\/7AxxImz6BC<\/a><\/p>— Xapo Bank (@xapobankapp) April 25, 2025<\/a><\/blockquote>