Borrow against Bitcoin
Non-custodial Bitcoin-backed lending providing institutional-grade liquidity and full control over your BTC.
Unlock liquidity without selling your Bitcoin.
Bitcoin-backed lending platform
Borrow against Bitcoin
Debifi allows you to borrow against your Bitcoin in a non-custodial way. Access liquidity without selling your BTC.
Lend against Bitcoin
Fund Bitcoin-backed loans and earn high-yield returns.
Why Debifi?
Debifi connects borrowers with independent institutional lenders from around the world, creating a competitive marketplace for Bitcoin-backed loans.
Any financial institution in the world can become a lender.
Non-custodial escrow
Your collateral is held in a 3-of-4 multisig escrow with keys distributed among the parties involved in the loan.
No rehypothecation
Each loan has a dedicated Bitcoin address. Your collateral remains locked until repayment and is never re-lent, staked, or traded.
Institutional lenders
Debifi connects you with independent institutional lenders offering competitive terms and high-volume Bitcoin-backed loans.
Flexible loan management
At Debifi borrowers have the flexibility to adjust loan parameters to match their individual risk tolerance and financial situation.
Verified BTC Addresses
Payouts and collateral returns can only be sent to verified Bitcoin addresses confirmed through 2FA and email verification.
High security
Debifi uses a security protocol where all actions must be signed with a unique private key.
How much can you borrow against your Bitcoin?
How Does Borrowing Against Bitcoin Work?
Loans issued by institutional lenders. Everyone can become a borrower.
Borrowers can access USD, EUR, USDC, USDT and other supported currencies while keeping ownership of their Bitcoin.
Deposit Collateral
Deposit your BTC in a secure 3-of-4 multisig escrow that ensures your collateral is dedicated to securing your loan.
Receive a loan
Initiate your loan contracts safely and efficiently through the Debifi App. Get your funds after the contract is signed
Repay the loan
Repay the loan and interest directly to the lender. Once the loan is fully repaid, your BTC collateral is released back to you.
One Platform. More Flexibility
Borrower Loan Requests
Create your own loan request with your preferred LTV, duration, and interest rate and let lenders compete for your business.
Contract Extensions
Need more time to repay the loan? Request an extension and negotiate a new loan term with your lender without opening a new contract.
Delayed Liquidation
If your LTV reaches a critical threshold, delayed liquidation gives you extra time to add more BTC collateral and restore your LTV before liquidation.
Repayment schedule
Choose a repayment schedule that fits the loan. Lenders can set monthly, quarterly, or annual interest payments in their offers.
Collateral Extraction
Withdraw part of your BTC without closing your loan. When your LTV decreases by 30% from its initial level, you can extract part of your collateral.
Hardware wallet support
Connect supported hardware wallets to sign transactions within the 3-of-4 multisig escrow structure.
Debifi Vault — Coming Soon
A dedicated Bitcoin vault designed for secure long-term BTC storage and future use across the Debifi ecosystem.
Debifi API: Bitcoin infrastructure for institutions
Bring Bitcoin-backed lending into your existing financial infrastructure.
Use our API to integrate lending, manage your Bitcoin treasury, or streamline Debifi operations.
Debifi API gives institutional partners programmatic access to lending and borrowing workflows, including contract creation, collateral setup, and real-time status monitoring.
Testimonials
Lenders and borrowers are voicing strong support for Debifi. Their testimonials point to quick payouts, fair terms, and a smooth, reliable way to unlock Bitcoin’s value.
Aquarius Fund was looking for an MPC-based solution to offer BTC-backed loans securely while ensuring full transparency for borrowers regarding their collateral. Not just a statement — our borrowers can monitor their BTC in real time and understand exactly what's happening with their collateral assets at any point. We're pleased with the experience of working with the Debifi platform and their team.
Lender
Arnab Naskar
Manager of the Management Company of Aquarius Alternative High Yield Debt Fund S.C.S.
Our mission at Berglinde has always been to drive innovation at the intersection of Bitcoin and traditional finance. Debifi’s groundbreaking approach to Bitcoin lending aligns perfectly with our vision of empowering institutions to invest in Bitcoin with confidence and integrity. This partnership sets the stage for a prosperous Bitcoin economy.
Lender
Phil Lojacono
Co-Founder of Berglinde
Being able to access funding with Bitcoin made it even more convenient, and it’s been a game-changer for us. Definitely worth considering if you’re looking for a solid lending option. Right now, we’re preparing the 500,000 m² piece of land for our community, working on the design of our unschooling neighborhood, and all of this would not be possible without Debifi.
Borrower
Sylvia Brinded-Püls
Founder of APTB
The ability to unlock liquidity without selling Bitcoin was game-changing for us. Debifi’s platform allowed us to secure funding for Seed12 while maintaining long-term exposure to Bitcoin. The process was transparent, and their support team was always available to answer questions and guide us through the loan process. We couldn’t have asked for a better partner to help us stay true to our Bitcoin-first philosophy while expanding into traditional markets.
Borrower
Woj
CEO of Cryptosteel
I took out a large loan against my Bitcoin with Debifi and was genuinely impressed. The process was fast, smooth, and fully non-custodial. Thanks to their multisig setup, I kept control of my BTC the entire time. The funds hit my account within hours. This is how Bitcoin-backed lending should be.
Borrower
Brad Mills
Bitcoin angel investor
made by bitcoiners
By borrowing against Bitcoin on Debifi, you still stay in control of your Bitcoin, with a multisig escrow system in place, you avoid collateral rehypothecation and have the highest level of transparency
and security.
Explore the full potential of your Bitcoin with borderless stablecoin and fiat loans!
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Borrowing against Bitcoin at Debifi: A Competitor Comparison
Debifi is built by Bitcoiners, for Bitcoiners. The team brings over eight years of experience working exclusively on other Bitcoin-only projects. Debifi aims to lead the Bitcoin backed lending space, and comparing its features to those of competitors highlights its distinct advantages.
| Feature | | Typical Competitors |
|---|---|---|
| Custody | Pure multisig escrow | Often custodial/mixed |
| Loan Flexibility | Short-to-long term, flexible | Usually fixed-term options |
| Bitcoin-native philosophy | Fully Bitcoin-focused | Multi-coin, less specialized |
| Rehypothecation | Strictly none | Usually none, but not always transparent |
| Minimum loan amount | Minimum loan amount 20 000 USD | Often high minimums for institutions |
Borrowing against your Bitcoin vs. Selling it: Liquidity without losing digital assets
Understanding the key differences between selling your Bitcoin and using it as loan collateral is essential.
The idea of loans taken against assets is not new, such transactions are common in many investment vehicles, notably property and precious metal markets.
The ability to retain control of your Bitcoin and access funds to cover any expenses you may have is invaluable.
| Features | Bitcoin Backed Loans | Selling BTC |
|---|---|---|
| Keep long-term BTC exposure | Yes, you keep your Bitcoin | No, you lose Bitcoin exposure |
| Immediate liquidity | Yes | Yes |
| Avoid potential capital gains taxes* | Yes, typically no tax event | No, usually triggers taxes |
| Retain BTC’s upside potential | Yes | No |
| Protection from forced selling at low prices | Yes, your assets are safeguarded from selling at market lows | No, exposed to the risk of selling at unfavorable prices |
*Debifi does not provide tax, legal, or accounting advice. This material has been prepared for informational purposes only. Tax laws regarding digital assets vary significantly by jurisdiction. You should consult your own tax, legal, and accounting advisors before engaging in any transaction.
Understand the Risks of Borrowing Against Bitcoin
Borrowing against Bitcoin can provide liquidity without selling your BTC, but it also comes with risks. Understand LTV, margin calls, liquidation and collateral management before taking a loan
Built for Institutional lenders
Earn attractive margins by lending stablecoins and fiat globally, secured by Bitcoin. Avoid risk with over-collateralized loans, 3 margin call system, automatic liquidations, and high-security protocol.
On Debifi, your money is backed by one of the safest assets - Bitcoin. Lend on Debifi and have full transparency and control over the collateral asset, ensured by a multisig escrow system.
Explore the full potential of Bitcoin-backed lending!