Debifi
Non-custodial Bitcoin-backed lending with 3-of-4 multisig escrow. Institutional-grade liquidity.
Why We Recommend Debifi
Your collateral stays in a 3-of-4 multisig—Debifi cannot move your bitcoin without you. Keys held by borrower, lender, Debifi, and AnchorWatch. Zero rehypothecation. Verify your collateral on-chain anytime. Backed by Ten31, Timechain, Fulgur Ventures, Plan B Fund. Exited beta June 2025. Sygnum Bank partnership for MultiSYG (launching 2026).
Best For
Bitcoin holders seeking liquidity without selling or relinquishing control. Ideal for both retail investors ($10K+) and institutions requiring self-sovereign lending with verifiable on-chain collateral. Lenders seeking secure, high-yield returns backed by Bitcoin.
Services & Features
- Loans $10K–$700K+ (public offers)
- 10-14% APR (competitive rates from 10%)
- 3-of-4 multisig escrow
- Fiat & stablecoin loans (USD, EUR, CHF, USDT, USDC)
- Up to 12-month terms (expanding)
- No rehypothecation
- Mobile app key storage
- Institutional lender marketplace
- Margin call system (75%, 80%, 85% LTV)
Considerations
1.5% origination fee. KYC depends on lender (some no-KYC offers). Liquidation at 90% LTV. Switzerland-based (Lugano).
