According to a CryptoQuant study based on data from crypto lender CoinRabbit, crypto holders increasingly turned to digital asset-backed loans amid weakening market conditions in 2026. Retail users saw their average number of loans surge 74%, from 30.8 per user in 2025 to 53.5 in 2026, while high-net-worth users rose 18%. The share of users taking multiple loans increased from 61.9% to 65.1%. Regarding collateral, Bitcoin’s share among high-net-worth users dropped from 57.8% to 30.5%, partly replaced by Zcash, whose price climbed from around $50 in late 2025 to nearly $800.
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