Unlock Liquidity While Owning Your Bitcoin
Debifi redefines Bitcoin-backed lending with a non-custodial, multisig escrow system that preserves sovereignty. Access institutional-grade liquidity without relinquishing control of your BTC.
Key Features:
- True self-custody: 3/4 multisig with keys distributed among trusted parties
- Long-term loans: Up to 5 years with competitive rates
- Zero rehypothecation: Collateral remains dedicated to your loan
Why Choose Bitcoin-Backed Loans?
Hedge Against Fiat Turmoil (2025 Outlook)
As central banks continue inflationary policies, Bitcoin loans emerge as a strategic tool to:
- Access USD/EUR/CHF liquidity
- Avoid capital gains taxes from selling BTC
- Maintain exposure to Bitcoin’s appreciation
"I kept control of my BTC the entire time. Funds hit my account within hours."
— Brad Mills, Bitcoin Investor
How Debifi Works
| Step | Process | Security Benefit |
|------|---------|------------------|
| 1. Escrow Creation | Multisig address on Bitcoin blockchain | Collateral never custodied |
| 2. Loan Origination | Institutional lenders compete on platform | Best rates via free market |
| 3. Repayment | Direct to lender’s wallet | Transparent settlement |
👉 Explore institutional-grade Bitcoin loans
Borrower Profiles
1. HODLers
- Cover short-term needs without selling BTC
- Preserve long-term upside potential
2. Miners & SMEs
- Fund equipment/operations
- Solve cash flow challenges
3. Institutions
- Enhance treasury management
- Strategic capital allocation
Competitive Edge
| Feature | Debifi | Typical Competitors |
|---------|--------|----------------------|
| Custody | Multisig escrow | Often custodial |
| Loan Terms | 1-5 years | Rigid timelines |
| Philosophy | Bitcoin-only | Multi-coin focus |
FAQ
How does LTV affect my loan?
A 50% LTV means borrowing $50 per $100 BTC collateral. Lower LTV = safer from liquidation.
What’s the interest rate range?
9%-18% APR based on LTV and market conditions.
Are there prepayment penalties?
No. Repay early without fees.
👉 Learn more about margin call policies
Tax Advantages
- Avoid capital gains events by borrowing instead of selling
- Spend borrowed funds while keeping BTC investment
"Bitcoin loans let us expand without selling our holdings."
— Sylvia Brinded-Püls, APTB Founder
Ready to Leverage Your Bitcoin?
Debifi delivers:
✅ Borderless stablecoin/fiat loans
✅ Real-time collateral tracking
✅ No credit checks
Secured by Bitcoin. Backed by sovereignty.