Have You Missed the Boat On Bitcoin?

Cryptocurrency

February 20, 2025

Written by Xapo Bank

History says otherwise. Every cycle has proven that Bitcoin’s biggest moves could still be ahead, and Xapo Bank is here to help you navigate these exciting movements.

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Bitcoin has defied expectations for over a decade, breaking records, bouncing back from crashes, and proving itself as the most resilient asset of our time. In early 2025, Bitcoin hit an all-time high of above USD 109,000 before a natural correction, following a pattern we've seen play out before every major bull run. Naturally, HODLers look towards Bitcoin experts for help. Bitcoin and banking groups like Xapo Bank provide secure solutions to navigate this volatility.

Why Bitcoin keeps reaching new heights

Bitcoin sceptics have been proven wrong again and again. Its price history shows a pattern of sharp corrections followed by even sharper recoveries. From trading under USD 1 in its infancy to surpassing USD 10,000 in 2017, and now breaking past USD 100K in 2024, its long-term trajectory is unmistakable. Bitcoin halving cycles play a major role in these price movements.

Scarcity fuels Bitcoin’s long-term value

Bitcoin’s fixed supply of 21 million coins is what makes it valuable. As demand surges, the limited supply ensures Bitcoin becomes even more scarce over time. Ark Invest’s analysis suggests that each halving cycle has historically led to a significant price appreciation within 12 to 18 months, reinforcing Bitcoin’s long-term growth potential. Historically, the months following halvings have triggered massive bull runs and with the rise of Bitcoin ETFs, institutional capital is pouring in like never before. Secure Bitcoin and banking solutions help holders navigate these market cycles with confidence.

Bitcoin’s halving and its impact on banking Bitcoin

Every four years, Bitcoin undergoes a "halving" slashing new supply in half and making BTC even more scarce. This built-in mechanism mimics gold’s scarcity, reinforcing its value as "digital gold". Historically, each halving has set the stage for the next Bitcoin bull market. Understanding these cycles is key for those using banks with Bitcoin expertise for long-term investment.

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Experts predict Bitcoin’s next big move

Standard Chartered forecasts Bitcoin reaching USD 200K in 2025, attributing it to increasing investor access and declining volatility. Meanwhile, analysts from Fidelity and Ark Invest remain highly bullish on Bitcoin’s long-term future. Institutional demand is rising as hedge funds, sovereign wealth funds, and pension funds add Bitcoin to their portfolios or seek exposure through ETFs. At the same time, retail investors are jumping in, driven by FOMO. Globally, the shift away from the dollar and increasing demand for inflation hedging are pushing more capital into Bitcoin, solidifying its role as a mainstream financial asset. As a result, Bitcoin security is becoming a major focus for investors seeking regulated institutions with extensive knowledge and experience in Bitcoin. 

Bitcoin and the future of money

Bitcoin is no longer just a speculative bet, it’s becoming a core part of global finance. Bitcoin ETFs are opening new market access, institutions are adding BTC to their reserves, and even nation-states like El Salvador are making Bitcoin legal tender. Adoption is accelerating, making regulated Bitcoin custody more essential than ever for secure asset management.

Yes, Bitcoin is volatile, but here’s why that doesn’t matter in the long run

Bitcoin’s volatility isn’t a bug, it’s a feature. Zoom out, and you’ll see a consistent pattern: short-term swings, long-term growth. One of the best ways to manage this volatility is through dollar-cost averaging (DCA), a strategy that allows investors to mitigate risk by making regular Bitcoin purchases over time. Every four-year cycle, Bitcoin has hit new highs, and long-term holders have always come out ahead. Bitcoin banking solutions can help manage volatility through secure storage and seamless transactions.

Why you haven’t missed out

Bitcoin’s journey is far from over. If history repeats, today’s price could look cheap in hindsight. Regulated Bitcoin institutions like Xapo Bank make it easier than ever to secure your holdings and capitalise on long-term growth.

Buying Bitcoin is easier than ever with Xapo Bank. We offer:

  • Secure, regulated Virtual Asset Service Provider (VASP) to bank your Bitcoin

  • Earn Bitcoin interest on your BTC and USD holdings*

  • Get up to 1% cashback in BTC on your spending*

  • Send and receive BTC instantly with Lightning payments

Start investing in Bitcoin today with Xapo Bank.

*Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more.

Disclaimer

This article is for general information purposes only and is not intended to constitute legal or other professional advice or a recommendation of any kind whatsoever and should not be relied upon or treated as a substitute for specific advice relevant to particular circumstances. We make no warranties, representations or undertakings about any of the content of this article (including, without limitation, as to the quality, accuracy, completeness or fitness for any particular purpose of such content), or any content of any other material referred to or accessed by hyperlinks through this article. We make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up-to-date.

*Capital at risk. This information is not investment advice. Crypto asset values can go up as well as down and you could lose all the money you invest. This is a high‑risk investment and you are not protected if it loses all or some of its value. Past performance is not indicative of future results. Bitcoin deposits are not covered by the Gibraltar Deposit Guarantee Scheme.

*The Annual Interest Rate offered on both USD and Bitcoin deposits is variable and may change at any time. Please see our Interest FAQs for more information.

*Interest on both USD and BTC is currently paid in Satoshis. We may instead choose to pay it in any other supported currency or currencies (fiat and/or crypto) from time to time.

*Please note that some merchant categories are excluded from earning cashback. Please see our Xapo Bank card FAQs for more information.

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