The Pomp Podcast Bitcoin Adoption Is Spreading To Unexpected Places | Seamus Rocca
Dec 5, 2025
Seamus Rocca, CEO of Xapo Bank and expert in Bitcoin custody, discusses the nuances of Bitcoin adoption beyond the mainstream narratives. He reveals that older, conservative users are now embracing Bitcoin, particularly in regions facing hyperinflation. Rocca highlights how Bitcoin ETFs are accelerating product innovation and reshaping demand for corporate treasuries. He also shares insights on Zapo's security measures and predicts future trends like stablecoin adoption and a focus on high-touch service in crypto banking.
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Older, Conservative Bitcoin Holders
- Zappo's average customer is middle-aged and conservative, not the young day-trader stereotype.
- Many early adopters bought Bitcoin years ago and now treat it as long-term wealth, seeking security and liquidity options.
Bitcoin As Wealth Protection In Emerging Markets
- Emerging-market users view Bitcoin primarily as a store of wealth and protection against hyperinflation.
- Zappo attracts many middle-aged customers from these regions who want sovereign, offshore Bitcoin custody.
Use Professional Custody If Unsure About Self-Custody
- If you hold substantial Bitcoin but lack custody skills, consider professional custody to avoid catastrophic self-custody mistakes.
- Use services with strong security and inheritance features to protect long-term wealth.