Borrow against Bitcoin
Non-custodial Bitcoin-backed lending providing institutional-grade liquidity and full control over your BTC.
Bitcoin-backed lending platform
High security
Debifi uses a security protocol where all actions must be signed with a unique private key.
Your keys, your coins
Debifi does not store your collateral; it offers a 3 out of 4 multisig solution with keys distributed among trusted parties.
High volume loans
Debifi connects you with independent institutional-grade liquidity providers, offering loans for up to 5 years.
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!
How does Debifi work?
Loans issued by institutional lenders. Everyone can become a borrower.
Escrow creation
At Debifi, taking out a loan doesn't mean losing touch with your Bitcoin. Our multisig escrow system ensures your collateral is dedicated to securing your loan.
Loan origination
With Debifi, the security of your Bitcoin-backed loan is the main priority. Initiate your loan contracts safely and efficiently through the Debifi App.
Loan repayment
Repaying your loan is straightforward and secure. The borrower sends the loan amount plus interest directly to the lender.
Become a Bitcoin-backed lender
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!
Flexible conditions and best rates
Debifi acts as a global lenders aggregator.
Any financial institution in the world can become a lender and compete with others in the free market.
No rehypothecation of your funds
Debifi creates a unique multisignature address on Bitcoin's blockchain for each lending contract, and your collateral is stored there until the loan is repaid.
Clear terms and customizable features
Transparent and custom-tailored loan terms continue to boost the appeal of loans against Bitcoin. At Debifi borrowers have the flexibility to adjust loan parameters to match their individual risk tolerance and financial situation.
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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
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 | Premium Bitcoin-backed loans starting from $20,000. No maximum limits. | 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.
The Growing Popularity of Bitcoin Loans in 2026
Bitcoin Loans Gain Momentum Amid Fiat Turmoil
Loans against Bitcoin are emerging in 2026 as a favored financial option for many Bitcoin holders, offering benefits like increased liquidity, enhanced security, and potential tax benefits*. With many looking for new ways to profit from digital assets, it is easy to see why they have attracted interest.
With global central banks continuing aggressive monetary policies, concerns about inflation and the ongoing devaluation of fiat currencies remain front and center. These fears highlight the value of Bitcoin as a hedge, thanks to its fixed supply of 21 million coins.
Using Bitcoin as collateral is proving to be a powerful borrowing strategy. It allows holders to unlock fiat liquidity without selling their Bitcoin investments, enabling access to capital while maintaining long-term exposure to the asset’s potential growth.
*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.
Preserving Upside: Liquidity Without Liquidation
While these types of loans are well-known to investors, supported assets tend to be more traditional. With no down payment or fees, interest-only payments for the duration of the loan, customers of all kinds can make full use of their Bitcoin to access US Dollars, EUR, GBP and CHF to cover their expenses without diminishing their investment position.
Using Bitcoin-backed loans allows individuals to access liquidity without selling their Bitcoin. One of the biggest risks of selling digital assets is missing out on future price appreciation and incurring substantial opportunity costs. Bitcoin-backed loans let holders maintain long-term positions while addressing short-term financial needs, offering a way to balance immediate spending with long-term investment strategies by allowing access to cash without selling your Bitcoin.
A Simpler Alternative in Uncertain Times
As we are seeing increased volatility with fiat currencies like the US dollar, the importance of maintaining holdings of Bitcoin is clear. Avoiding loan fees, and with no need for complex tax advice, for people who invest in Bitcoin, this loan represents an opportunity to take advantage of the rise in value of the digital asset while still retaining the ability to profit from future rises.
Why pay high interest, risk your other assets, answer endless questions just to open an account, put down a deposit or any of the other hoops you have to jump through for a traditional loan? Here, you don't need a deposit, customers receive payment in minutes, and with no fees and competitive interest rates that vary based on the current market risk profile, so you get the best deal every time.
If you invest in Bitcoin and need access to cash, a Bitcoin-backed loan is the ideal solution.
Can you use these loans without selling your Bitcoin?
As with any product, loans against Bitcoin appeal to a broad range of borrowers. Each holder of Bitcoin has distinct advantages that are tailored to their specific financial goals.
Here’s a breakdown of some common borrower types:
Individual HODLers
Long-term investors, often known as HODLers, use loans with Bitcoin as collateral to manage short-term cash flow needs while strategically maintaining their Bitcoin holdings. This approach enables them to benefit from the future appreciation of Bitcoin without triggering losses from selling their assets.
Small Businesses & Miners
Small businesses and Bitcoin miners often need immediate access to funding—whether to purchase equipment, manage operations, or expand their facilities.
Loans against Bitcoin provide essential liquidity, helping solve these operational challenges while allowing businesses to grow without selling their Bitcoin holdings. This preserves both operational flexibility and long-term financial stability.
Corporate Treasury Teams & Institutions
As of 2025, Bitcoin has been embraced as a strategic reserve asset by prominent publicly traded companies, family offices, hedge funds, and even select nation-states. For these institutional investors, Bitcoin is often collateralized through sophisticated loan structures that enhance liquidity management, support efficient capital allocation, and strengthen financial positioning — without relinquishing control of their Bitcoin holdings.
Financial Flexibility for Every Bitcoin Holder
The scope of Bitcoin-backed lending services spans from individual investors aiming to tailor their financial strategies to multinational corporations seeking to enhance their balance sheets.
If you recognize the long-term value of Bitcoin but need liquidity now, you fit precisely into the growing demographic benefiting from Bitcoin-backed loans. With no credit check required, competitive interest rates and fast payment, even those with poor credit can make use of these loans.
FAQ
What is a Bitcoin-backed loan?
A Bitcoin-backed loan allows borrowers to use Bitcoin as collateral to receive fiat or stablecoin liquidity. The borrower retains ownership of the Bitcoin, which is returned once the loan is repaid in full. With competitive interest rates and zero fees, they are economical and practical solutions for maintaining liquidity without selling your Bitcoin.
How does borrowing against Bitcoin work?
Borrowing against Bitcoin lets you use your Bitcoin as a guarantee to get liquidity without selling it. You put your Bitcoin on a lending site as collateral, choose how you want the loan and get money in currency or stablecoins. When you pay back the loan you get your Bitcoin back.
This way borrowing against Bitcoin as a guarantee helps you keep your Bitcoin for the term and still get the money you need. Bitcoin-backed lending works, like this.
How does Bitcoin-backed loan differ from traditional loan?
Bitcoin-backed loan does not require credit checks or income verification. Loan approval is based solely on the value of the Bitcoin collateral while a traditional loan is a form of financing provided by a bank or financial institution, typically requiring a credit check, income verification, and collateral such as property or assets.
What does loan-to-value (LTV) mean in Bitcoin-backed lending?
LTV is the ratio between the loan amount and the value of the Bitcoin used as collateral. For example, a 50% LTV means borrowing $50 for every $100 worth of Bitcoin held as collateral. Lower LTV ratios reduce liquidation risk, while higher LTVs offer greater borrowing capacity with more risk.
What affects interest rates in Bitcoin-backed lending?
Interest rates on a Bitcoin-backed loan are influenced by several factors, including the loan-to-value ratio, loan duration, Bitcoin price volatility, and platform-specific risk assessments.
What are the risks of borrowing against Bitcoin?
Borrowing against Bitcoin can be an efficient way to access liquidity without selling your assets, but it does carry important risks. The primary risk is Bitcoin price volatility: if the value of your Bitcoin falls, your loan-to-value (LTV) ratio rises and you may face a margin call or partial liquidation. Market fluctuations can happen quickly in crypto markets. To reduce risk, many borrowers choose a conservative LTV and monitor their position regularly.
Got more questions?
Answers to all your questions on our FAQ page