English (en)

For decades, Traditional Finance (TradFi) has treated settlement delays as an unavoidable part of the system. However, in today’s hyper-connected digital economy, the legacy **T+2 (and even the newer T+1)** settlement cycle has evolved into a silent balance-sheet killer. While assets are trapped in transit, institutions are left exposed to **temporal risk** - a dangerous 24-to-48-hour blind spot where counterparty defaults and market crashes can occur without warning.

As financial markets become increasingly global, digital, and always-on, delayed settlement infrastructure is creating growing pressure on institutional liquidity management. In 2026, the ability to move collateral instantly is no longer simply an operational advantage - it is becoming a core component of modern risk management. 

A Debifi’s latest quarterly research report - **"BEYOND T+2: Bitcoin Instant Settlement and the Future of Collateral Velocity" (Q1 2026)** - explores how Bitcoin's deterministic, instant settlement is rewriting the rules of collateral management, repositioning Bitcoin as a high-efficiency collateral asset for modern institutional markets. 

The report argues that traditional collateral frameworks may be measuring the wrong type of risk. In modern markets, the ability to liquidate and mobilize collateral instantly may matter more than nominal price stability alone.

## The Volatility Paradox
Risk departments often prioritize low-volatility assets like government bonds, overlooking a crucial variable: **liquidation latency**. If a market shock occurs on a Friday night, traditional collateral is effectively frozen until Monday morning.

Unlike legacy systems that rely on banking hours, custodians, and intermediary coordination, Bitcoin enables deterministic settlement - cryptographic finality achieved within minutes rather than business days. 

By calculating the real-world effectiveness of assets under stress, our mathematical models prove that Bitcoin's ultra-fast liquidation window (10–60 minutes, 24/7/365) yields a drastically superior security profile compared to legacy alternatives.

## Inside the Q1/2026 Research
The report explores several critical themes shaping the future of institutional collateral infrastructure:
- The systemic cost of settlement latency
- Deterministic vs. probabilistic settlement models
- Programmatic liquidation through Discreet Log Contracts (DLCs)
- The role of self-custody in institutional finance
- Delayed liquidation strategies for volatility protection
- Bitcoin’s emergence as a digitally native super-collateral asset

It also examines how secure custody solutions and non-custodial lending infrastructure can help institutions reduce counterparty dependencies while improving capital efficiency.

### Access the Full Research Report
Ready to eliminate counterparty risk and maximize your collateral velocity?

Read Debifi’s latest quarterly research report to explore the mathematical models, settlement mechanics, and institutional implications behind Bitcoin’s evolving role in collateral markets. 

⬇️ Download the [Full Q1 '26 Quarterly Research](/quarterly_research_q1_26) at [debifi.com](https://debifi.com/)

Abstract visualization of Bitcoin as super-collateral in modern risk management systems

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Beyond T+2: Why the Financial World is Shifting to Bitcoin as "Super-Collateral"

Many long term accumulators and Bitcoin founders eventually face the same dilemma: you need fiat liquidity to handle tax obligations, purchase real estate, or simply cover living expenses, but you categorically refuse to sell your Bitcoin stack. This is a fundamental challenge for the modern Bitcoin maximalist. So, the logical question arises: **Can I use bitcoin as collateral for a loan** without giving up control of my hard earned assets and violating my core principles?

## The Problem with Traditional Lenders and Custodians

In previous market cycles, the answer was technically yes, but it came with massive, often unacceptable trade offs. You were required to hand over your keys to a centralized lending platform. Today, educated investors have a deep, justified distrust of centralized platforms that engage in rehypothecation. There is a very real fear of losing your keys to opaque custodians who might gamble with your assets behind closed doors.

When looking for liquidity, you don't just want to know if **Bitcoin can be used as collateral**; you need to know if it can be done safely, transparently, and without the counterparty risk keeping you awake at night. For a Bitcoin founder with a family and a high reputational pressure, protecting wealth takes absolute priority over aggressive growth. Explaining why assets were lost to a centralized exchange collapse is simply not an option.

## The Non-Custodial Solution: Unlocking Power Without Selling

At Debifi, our philosophy is straightforward and built for the long term: "Don't sell your Bitcoin. Unlock its power."

If you are wondering, "can you use bitcoin as collateral while still retaining your keys?", the answer is a resounding yes. We provide a true non-custodial setup where you retain key control at all times. You do not have to compromise your maximalist principles to access liquidity. You can verify the collateral on-chain 24/7, ensuring that your funds are exactly where they are supposed to be.

### How MultiSig Escrow Protects Your Stack
Instead of handing your Bitcoin over to a black-box custodian and hoping for the best, Debifi utilizes a secure [Multisig escrow system](/blog/en/security). This architecture is specifically designed for people who built in Bitcoin and plan to stay. It ensures three critical things for your peace of mind:
- **Zero Rehypothecation:** Your Bitcoin stays yours. We maintain a strict policy of zero rehypothecation, meaning your collateral is never secretly lent out to third parties to chase risky yields.
- **On-Chain Verifiability:** Trust is good, but code and transparency are better. You have the ability to verify your collateral on-chain at all times. We focus heavily on censorship resistance and on-chain verifiability.
- **Asset Separation:** For founders and business owners, this structure ensures you can safely unlock liquidity while being able to clearly separate company and personal assets.

We understand that your absolute primary objective is holding and protecting your Bitcoin stack. Growing wealth demands higher requirements for structure and security. With Debifi, you gain liquidity without selling your conviction, utilizing a true non custodial borrowing framework built for BTC maximalists.


Can I use bitcoin as collateral for a loan

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Can You Use Bitcoin As Collateral For A Loan? The Non-Custodial Way

**When you are in your twenties, Bitcoin security is about protecting yourself from hackers. But as you enter your thirties and forties, build a family, and amass significant wealth, the threat model changes. The question shifts from _"How do I keep hackers out?"_ to _"How do I let my family in if something happens to me?"_ This is where bitcoin estate planning and bitcoin inheritance become essential.**

For our clients - many of whom are managing family offices or are the primary breadwinners - capital preservation means ensuring that wealth survives beyond their own capacity to manage keys.

## The Edge Cases of Self-Custody 
In standard DeFi and rigid self-custody setups, "edge cases" like sudden illness, incapacitation, or death are often fatal to the portfolio. If you are the only one holding the seed phrase, and you are no longer here, your wealth is lost to the blockchain forever. This is one of the most critical risks behind bitcoin inheritance lost keys death scenarios and why many investors struggle with lost access to bitcoin wallet situations.You wouldn't accept this risk for your real estate or traditional bank accounts; you shouldn't accept it for your Bitcoin.

## MultiSig as a Governance Tool 
This is where Debifi’s MultiSig architecture transcends simple lending and becomes a critical tool for estate planning.

Because the collateral is held in a structured MultiSig environment, it inherently supports complex governance. It allows you to create legal and technical redundancies  around your bitcoin keys. You can involve trusted third parties - such as your estate lawyer, a trusted co-founder, or an institutional key-agent - in your custody setup.

If the absolute worst happens, clear, legally sound, and Bitcoingraphically provable pathways exist to settle the loan and ensure the remaining collateral is distributed to your beneficiaries.

We designed Debifi for the long term. We know that taking out a significant loan against your Bitcoin is a strategic life decision, not a day trade. By combining institutional-grade lending with robust governance structures, we help you build a financial fortress that protects not just you, but the generations that follow.


Preventing lost Bitcoin with multisig estate planning solutions

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The Legacy Layer: Estate Planning and the "What Ifs" of Bitcoin Lending

**The collapse of FTX, Celsius, and BlockFi in 2022 wasn’t just a market correction; it was a fundamental reckoning for the industry. It proved, violently, that "yield" generated in opaque, off-shore black boxes is indistinguishable from a Ponzi scheme, highlighting severe lending risks and broader platform risk.**

The trauma of those collapses fundamentally changed how intelligent capital operates. Today, founders and senior operators are deeply, and rightfully, risk-averse toward counterparty risk and platform blow-ups. Therefore the focus on risk management and asset protection is growing. At Debifi, we share this exact mindset.

## The Rehypothecation Disease
The core sin of the platforms that failed was rehypothecation. They took the Bitcoin you deposited as collateral and secretly lent it out to hedge funds to chase yield. When those hedge funds blew up, your Bitcoin vanished.

At Debifi, rehypothecation of Bitcoin is structurally impossible by design.

We do not play yield games. We do not lend your collateral to third-party market makers. Your assets are not pooled into an omnibus wallet that we control. Instead, your Bitcoin is locked in an isolated, transparent, on-chain Bitcoin MultiSig address.

## "Don't Trust, Verify" in Action 
Because of our architecture, you never have to trust a quarterly earnings report or a CEO's tweet about the company's "robust balance sheet." You can open a block explorer at any time of day or night and Bitcoingraphically verify that your Bitcoin is exactly where it is supposed to be.

Furthermore, you hold one of the keys. We cannot move your funds without your explicit Bitcoingraphic consent or the predefined conditions of the smart contract being met. This model reflects the safest approach to collateral lending and institutional-grade custody.

We built Debifi to be boringly secure. We offer a minimalistic feature set because complexity is the enemy of security. By stripping away the chaotic tokenomics and opaque lending pools of standard DeFi, we deliver  transparency, robust crypto risk management and the only thing that matters to serious capital: certainty.


Crypto risk management with transparent bitcoin multisig custody

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The End of the Black Box: Building Institutional Trust Without Trusting Institutions

March brought a phase of price consolidation coupled with a decrease in volatility. Closing the month on March 31, Bitcoin traded at **$68,209**. The asset's price journey saw it peak at **$75,987** (March 17th), before retracing to a monthly low of $64,976 (March 29th), which marked a maximum drawdown of -14.59%. Despite this tighter range, the daily spot volume remained robust with a strong 7-day average of $41.60 billion and the 30-day volatility cooled down, dropping to roughly 1.8%. 

Regarding Debifi's lending metrics, the average Loan-to-Value (LTV) ratio remained stable at 64.71%. Since December, we continue to observe a **<u>significant reduction in borrowing costs</u>**, with the average Annual Percentage Rate (APR) dropping from **13.55% to 10.75%**. This represents a substantial decrease of **280 basis points** (bps) in four months. This downward trend highlights an increasingly competitive lending environment and highly favorable conditions for users looking to unlock liquidity against their Bitcoin collateral.

During this month, we also launched two major upgrades : [Borrower Offers](https://debifi.com/blog/en/borrowers-offers) and the [Beta API](https://debifi.com/blog/en/api-beta-release).

_Sources : Debifi open loan offers, Tradingview & BitBox_


## March 2026 Overview

Despite the massive geopolitical upheavals in March (the war in the Middle East and the closure of the Strait of Hormuz), this month was characterized by a stabilization in the price of Bitcoin. 

During this month, Bitcoin stood out from the S&P 500 and traditional stocks with a correlation coefficient of approximately 0.35, confirming its role as an **independent asset** from mainstream finance.

This resilience underscores Bitcoin's viability as a collateral asset. Where conventional securities face severe downside risks from political instability, Bitcoin acts as a fundamentally uncorrelated asset. 

![Debifi BTC vs S&P 500](https://zr5pqljgeynt.compat.objectstorage.eu-zurich-1.oraclecloud.com/blog-staging-testnet/debifi_btc_vs_s_and_p_march_2026_2_e9dc093c40.png)
_Debifi Bitcoin vs. S&P 500 March Performance_

True to the "bear markets are for building" mindset, we’ve launched two major upgrades to significantly enhance user experience: **Borrower Offer** and the **beta version of our API**.

Our objective is twofold: to enable an ever-expanding audience to access liquidity without having to sell their bitcoins, and to connect financial institutions with this growing demand for credit by providing them with high-performance tools to manage their portfolios.

**Borrower Offer** is a complete new feature, accessible on our platform. We have made it possible for borrowers to submit loan offers <u>on their own terms.</u>

This feature can be found in the ‘My Offers’ section (see image below) and it allows the borrower to customize their loan offer including currency, term length and APR.

![Debifi Dashboard](https://zr5pqljgeynt.compat.objectstorage.eu-zurich-1.oraclecloud.com/blog-staging-testnet/HGF_2eha_WEAAF_5fm_6ecd142909.jpeg)
_Debifi Dashboard_

To meet the growing institutional demand, we are also proud to announce the official release of our **Beta API**. This interface allows developers to integrate our lending and borrowing flows while maintaining Debifi’s core principles: strict "No-Rehypothecation" and multi-signature escrow. To discover the full technical capabilities of this new infrastructure, visit our dedicated article: [Debifi Launches API Beta](/blog/en/api-beta-release)

We are thrilled to highlight Sygnum, the world’s first digital asset bank, as a key Early Adopter of our API. Their teams are currently working on an integrated contract flow utilizing our new infrastructure. This collaboration bridges the gap between regulated banking services and the sovereign, tailor-made Bitcoin custody that Debifi offers.

By releasing the API early, we can collaborate directly with partners like Sygnum and the wider developer network to fine-tune the product to the industry's real-world needs. With this new API, we offer the ultimate synergy between financial agility and uncompromising collateral protection, aligning with the latest bitcoin market update and trends.

Institutional partners and B2B interested in testing the API can apply for access by contacting <api@debifi.com>.

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Debifi & Bitcoin Snapshot for March 2026

**There is a distinct difference between getting rich and staying wealthy. Getting rich often requires concentrated risk; staying wealthy requires strategic capital preservation. For founders, early Bitcoin operators, and long-term investors, the biggest threat to generational wealth isn't market volatility - it’s the tax code and opportunity cost. This is why Bitcoin wealth preservation and a strong bitcoin investment strategy are critical.**

As your Bitcoin portfolio grows, so does your need for real-world liquidity. You might want to purchase real estate, fund a new startup, or simply diversify your traditional portfolio. Historically, the only way to do this was to sell your Bitcoin.

## The Tax Trap and the Opportunity Cost

Selling your core assets triggers two massive wealth killers:

9. **Capital Gains Tax:** Depending on your jurisdiction, selling can instantly wipe out 20% to 40% of your purchasing power. You are paying the government for the privilege of accessing your own success.
10. **Loss of Upside:** Bitcoin is an apex asset. Selling means permanently stepping off the train. If you sell at $80k to buy a house, and Bitcoin reaches $250k in the next cycle, that house just cost you three times its market value in Bitcoin opportunity cost.

## The Institutional Approach: Structured Use

High-net-worth individuals and family offices rarely sell their prime assets. They borrow against them.

Debifi, as a Bitcoin collateralized lending platform, enables you to unlock liquidity while maintaining your long-term position. By placing your Bitcoin into a highly secure, non-custodial MultiSig vault, you can access fiat liquidity without creating a taxable event. Your capital continues to compound. Your upside remains entirely intact.

Furthermore, our lending structure is designed for predictability. We don't deal in hyper-volatile DeFi liquidations triggered by momentary flash crashes. We provide transparent, understandable usage parameters built for individuals who view their Bitcoin not as a trading vehicle, but as their core treasury. 

Preserve your capital, optimize your liquidity, and never sell your conviction.


Strategic liquidity and Bitcoin wealth preservation concept

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Strategic Liquidity: Why Selling Bitcoin is the Ultimate Wealth Killer

As we announced in our recent article, ["From Reactive to Proactive: Introducing Borrower Offers on Debifi"](/blog/en/borrowers-offers), we are fundamentally shifting the power dynamic in the lending market. Instead of settling for pre-set terms, you can now shape the market according to your own rules and publish offers as a borrower, leveraging a more flexible approach to structured lending.

In this follow-up, we are diving deeper to show you exactly how to use this feature in practice with our [new video tutorial](https://www.youtube.com/watch?v=NyBCRWMl-fk). We designed this feature specifically with the needs of our core users in mind: Bitcoin Founders, Senior Operators, and BTC-Native Investors.

## Liquidity Without Losing Control
We understand that for our users, capital preservation is often far more important than chasing maximum returns at any cost. Whether you are a founder seeking liquidity without selling your conviction (your tokens) or an investor structuring your wealth, the "Borrower Offer" feature provides ultimate flexibility. Because the trauma of counterparty risks - like the FTX collapse - still lingers in the space, all our loans are built on [transparent MultiSig technology](/blog/en/security). Thanks to self-custody, you stay in control of your keys at all times.

## Your Loan, Your Terms – The Video Guide
Our video walks you through the precise process of publishing a live offer. Here are the key parameters you can now define yourself:

- **Desired Amount and Currency:** Choose your preferred currency (fiat or stablecoins) and set your custom loan size. Our platform is perfectly optimized for typical loan sizes ranging from $50k to $1M, supporting efficient bitcoin liquidity strategies.
- **Set Your Own APR:** You dictate the annual percentage rate you are willing to pay. This empowers you to use leverage deliberately and predictably, rather than speculatively.
- **Term and Repayment Schedule:** Determine a loan duration and structure that aligns perfectly with your financial planning. This allows you to cleanly separate your long-term holdings from your operational capital and liquidity needs through tailored structured lending solutions.

We built Debifi for people who have built in Bitcoin and plan to stay. There are no black boxes or yield games here - just enterprise-grade security you can reason about.

Watch our [full video walkthrough on YouTube](https://www.youtube.com/watch?v=NyBCRWMl-fk) and head over to the Debifi platform to create your first customized borrower offer today!

Unlock Bitcoin liquidity using borrowers offers

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Step-by-Step: How to Create Your Custom "Borrower Offer" on Debifi

**Self-custody is a spectrum. On one end, you have hot wallets connected to the internet 24/7. On the other end, you have air-gapped hardware devices like the Coldcard - the gold standard for Bitcoiners who refuse to compromise on secure Bitcoin storage.**

Because Debifi is built for uncompromising Bitcoin holders, a significant portion of our users secure their MultiSig setups with Coldcard hardware wallet devices. However, combining institutional-grade lending contracts with air-gapped hardware introduces operational complexities that require a specific mindset.

## Mastering the Air-Gapped Signature

When you enter a loan agreement on Debifi, you aren't just clicking "I agree" on a web form. You are Bitcoingraphically signing a Partially Signed Bitcoin Transaction (PSBT).

Many users encounter friction when trying to pass these signatures back and forth. The most secure method - and the one we strongly advocate for - is utilizing the Coldcard’s MicroSD slot.

11. Export the PSBT from the Debifi interface to your MicroSD card.
12. Insert the card into your Coldcard (powered only by a wall outlet or battery pack, never a data cable).
13. Verify the exact contract details and MultiSig parameters directly on the Coldcard’s screen.
14. Sign the transaction, move the SD card back, and broadcast.

This process ensures your private keys remain mathematically quarantined from the internet at all times, following **Bitcoin self-custody** best practices.

## The Reality of PIN Resets and 2FA
Security is about eliminating backdoors. This philosophy dictates how our app handles local security. If you forget your Debifi app PIN, you might be frustrated to find there is no "Forgot PIN? Click here" button. Instead, you are required to delete the app entirely and reinstall it.

Why? Because your PIN encrypts sensitive data locally on your device. If we built a backdoor to reset it, we would be building a vulnerability that hackers could exploit. Deleting the app wipes the slate clean, ensuring brute-force attacks are mathematically impossible.

Similarly, our Two-Factor Authentication (2FA) is aggressively tuned. If you experience delays in receiving 2FA emails, ensure your provider isn't filtering encrypted or automated institutional emails. We enforce 2FA strictly because the bridge between your identity and your on-chain assets must be fortified at every single chokepoint, ensuring Bitcoin transaction security.


Bitcoin self-custody with Coldcard hardware wallet

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Hardware Sovereignty: A Deep Dive into Coldcard, 2FA, and Air-Gapped Signatures

## When Adding Collateral or Repaying Your Loan Partially Makes Sense

Forced liquidation is one of the few moments in a loan’s lifecycle where events can escalate quickly and usually against your interests.

For those using Bitcoin-backed loans to access liquidity without selling long term holdings, understanding how liquidation works and learning how to actively manage risk is crucial.

In a previous piece, we explored what forced liquidation is, how it functions, and why it exists in collateralized lending. If you haven’t checked it out yet, it’s worth a read:

 👉 [*Forced Liquidation: What It Is and Why It Happens*](https://debifi.com/blog/en/forced-liquidation?utm_source=blog&utm_medium=blog_post&utm_campaign=froced_liquidation)

In this follow up, we’ll focus on two practical steps borrowers can take to avoid liquidation altogether:

- Adding more collateral to the loan  
- Partially repaying the loan

Both are simple in concept, yet highly effective when used thoughtfully.

## A Quick Recap: What does liquidation mean?

Forced liquidation happens when your collateral value falls below a predefined threshold relative to your outstanding loan.

At this point, portions of your collateral may be automatically sold to protect the lender and maintain loan stability. While this mechanism is essential for any collateralized lending system, it tends to trigger during periods of high volatility \- precisely when borrowers would prefer not to be forced sellers.

The goal isn’t to “outsmart” the liquidation mechanics. It’s to stay comfortably clear of them. And that’s where active loan management comes in.

## When Does It Make Sense to Add More Collateral?

Adding collateral boosts the safety buffer of your loan by improving your loan-to-value (LTV) ratio. This can be a smart move when:

- **Market volatility rises:** Sharp downward swings can push LTVs closer to liquidation thresholds faster than anticipated.
- **Your loan is long-term by design:** If your plan is to hold both Bitcoin and your loan over an extended period, adding collateral reduces the need for constant monitoring.
- **You prefer peace of mind over hyper-optimization:** A slightly overcollateralized position often beats one that demands constant attention.

For many Debifi users, this follows a simple principle:

*Preserve first. Optimize second.*

## When Does Partial Repayment Make Sense?

Partially repaying your loan lowers the outstanding principal, which reduces your LTV without altering your collateral position. This approach can be ideal when:

- **You have excess liquidity:** Paying down part of the loan may be more efficient than letting capital sit idle elsewhere.
- **You want to reduce risk without adding more collateral:** Particularly relevant if your Bitcoin is spread across multiple wallets or governance setups.
- **You’re approaching a critical LTV level:** Even a modest repayment can meaningfully expand your margin of safety.

Partial repayment is usually tactical \- not a way to exit a loan, but a method to rebalance it.

## Adding Collateral vs. Repaying the Loan: How to Weigh the Options

Both strategies achieve the same ultimate goal: lowering your effective LTV. The difference is simply which resource you’re willing to deploy:
- **Adding collateral** (Bitcoin) is best for: maintaining loan size
- **Partial repayment** (Fiat/Stablecoin) is best for: reducing leverage

There’s no universally “better” option, only what aligns with your structure, liquidity needs, and risk tolerance.

## How to Add Collateral or Partially Repay a loan on Debifi

Debifi makes both actions transparent and fully borrower controlled:

- **Adding collateral:** Increase your collateral within your existing loan, improving your LTV without altering loan terms, by simply sending an onchain transaction to the escrow address.
- **Partially repaying your loan:** Reduce your outstanding principal at any time, lowering leverage while keeping the loan active, by sending the funds to the provided payment details of the lender.

No hidden mechanics, no yield tricks, just straightforward ways to adjust your position.

## Final Thought: Risk Management Is a Feature, Not a Reaction

Forced liquidation isn’t a failure \- it’s a safeguard.

The most resilient borrowers, however, treat liquidation thresholds as levels to never approach, rather than crises to manage at the last minute.

Adding collateral or partially repaying the loan isn’t an emergency measure. It’s a proactive strategy for long-term holders who want liquidity without relinquishing control.

If your priority is preserving capital, maintaining reputation, and building structures you don’t have to constantly monitor, proactive loan management isn’t optional. It's essential.

Loan management: repaying a loan or adding collateral

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Adding Collateral or Repaying Loans: Smart Loan Management

[Debifi ](https://debifi.com)is a non-custodial lending platform where you can borrow against your bitcoin without selling it. Your bitcoin stays secure in a multisig escrow while you get instant liquidity.

Here's how it works, and how to get your first loan.

## How It Works

When you take out a loan, your bitcoin goes into a 3-of-4 multisig escrow. This means no single party controls your collateral—it's locked specifically for your loan and can only be released when you repay or if there's a default.

The Debifi app handles everything: signing transactions, managing the escrow, and coordinating loan repayment. When you repay the loan, you get your bitcoin back.

## Getting Started: 6 Steps

### Step 1: Download the App
![Step 1](https://zr5pqljgeynt.compat.objectstorage.eu-zurich-1.oraclecloud.com/blog-production-mainnet/step1_9b8d036b42.jpg)

Head to debifi.com/app and download the Android app. Create an account with your email, then set up a strong PIN and enable Two-Factor Authentication (2FA).

### Step 2: Back Up Your Seed Phrase
![Step 2](https://zr5pqljgeynt.compat.objectstorage.eu-zurich-1.oraclecloud.com/blog-production-mainnet/step2_7887fe6916.jpg)

Write down your 12-word seed phrase on paper and store it somewhere safe. This is the only way to recover your account if something goes wrong. Don't skip this step.

### Step 3: Link Your Device
![Step 3](https://zr5pqljgeynt.compat.objectstorage.eu-zurich-1.oraclecloud.com/blog-production-mainnet/step3_421191acec.jpg)

Use your 2FA code to link the app to your account. This connects your phone to Debifi's web platform so you can browse loans and manage your account.

### Step 4: Browse Loan Offers

Go to https://debifi.com/offers and check out available loans. You'll see different terms, rates, and amounts from institutional lenders.

### Step 5: Sign the Loan
![Step 5 ](https://zr5pqljgeynt.compat.objectstorage.eu-zurich-1.oraclecloud.com/blog-production-mainnet/step5_da752c65c5.jpeg)

Found a loan you want? Open the app and sign the contract. The app will generate your public keys and set up the multisig escrow for your collateral.

### Step 6: Deposit and Get Paid
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Send your bitcoin to the multisig escrow address. Once the deposit confirms, the lender sends your loan funds to your chosen address. Done.

That's it. Debifi lets you put your bitcoin to work without giving it up. If you've been sitting on bitcoin but need cash, this is one way to have both.

Download the app at debifi.com/app to get started.


Debifi Blog