English (en)

Closing the month on June 30th, Bitcoin traded at **58 545 $**, marking a significant decrease of roughly -20,5% from its June 1st opening price of **73 622 $**. This marks a new low for the bear market that began last October, dropping 3% below the 60K floor established on February 6th. This ongoing downturn confirms that the current market behavior aligns almost perfectly with the historical continuity of previous cycles.

Regarding Debifi's lending metrics, the average Annual Percentage Rate (APR) is now **back in double digits at 10.28%**. This marks the first increase since the beginning of the bear market, indicating a growing demand for loans among Bitcoiners as we approach deep value territory.

Meanwhile, the average Loan-to-Value (LTV) ratio experienced only a slight uptick, settling at an average of 68.4%. Even though Bitcoin's price dropped by more than 20%, the LTV only increased by 3%. **This demonstrates that our users are closely monitoring their positions and actively compensating for the weakness of their collateral.** Furthermore, we are observing an extension in loan durations, with the average term reaching 13.48 months, a new record for our platform.

_Sources : Debifi open loan offers & Tradingview_ 

## June 2026 Overview

Following the failed attempt to reignite the bull market in early May, June marked another step down into bear territory. The 200-week moving average was tested multiple times before finally giving way on June 23rd, and the price has now settled below this crucial indicator.

It is worth noting that this same level was breached in mid-June 2022, coinciding with the announcement that Celsius was freezing withdrawals and began its collapse, occurring at the exact same point in the timing of the previous cycle. The repetition of Bitcoin's price history is striking, especially given how drastically different the fundamental landscape is today.

Indeed, despite improved regulatory conditions, resilient liquidity (with Bitcoin continuing to process between $30 billion and $50 billion in daily transaction volume), and major announcements from institutional players, Bitcoin is enduring a downturn that mirrors the drops previously triggered by major industry bankruptcies.

The Celsius bankruptcy in 2022 is particularly interesting because it established exactly what this lending sector was not meant to become. This bankruptcy acted as a wake-up call for the community, serving as a brutal reminder of the fundamental Bitcoin adage: "Not your keys, not your coins." 

Whereas Celsius viewed its clients' collateral as capital to be risked on the markets for its own profit, Debifi adopts a philosophy aligned with the primary ethos of Bitcoin: transparency and security above all:

- **The absence of rehypothecation:** Unlike Celsius, the collateral deposited on Debifi is never lent to third parties, nor is it invested in protocols to generate yield. The Bitcoin stays on-chain, serving strictly as collateral for the contracted loan.
- **Collateral transparency:** The model of a Bitcoin-native platform moves away from the black box approach. Users must have absolute certainty that their funds are actually there. The collateral does not move and is not diluted in the company's speculative bets.
- **The integration of collaborative security:** This approach is rooted in the respect for ownership. The user is no longer held hostage by the opacity of a fraudulent balance sheet. They can monitor their loan (as shown by the careful tracking of your LTV) without fearing their collateral will evaporate due to the platform's mismanagement.

In short, the collapse of Celsius has vindicated our model, proving that Bitcoin-backed lending should never compromise the security of the world's most valuable asset.

It is no coincidence that we are seeing a surge in loan requests on our platform. Bitcoiners who remain true to these core principles are seizing the opportunity of this bear market to unlock their Bitcoin's full potential and plan for the long term.

Starting this month, we are making this long-term vision even more accessible by allowing our clients to renegotiate their contract terms. When your loan reaches maturity, you are no longer forced to close it and open a new one. Instead, you now have the flexibility to renegotiate a new timeframe at any point.

To learn more about extending your contract, please read our [guide about the “Contract extension” feature](/blog/en/contract-extension).


Bitcoin market performance and Debifi lending metrics for June 2026

large_june-26-snapshot.png

medium_june-26-snapshot.png

small_june-26-snapshot.png

thumbnail_june-26-snapshot.png

june-26-snapshot.png

Bitcoin & Debifi Snapshot (June 2026)

For Fintech founders and product leads, offering yield generation to end-users is highly attractive. However, building proprietary lending setups from scratch comes with extremely high engineering costs and the terrifying prospect of custodial counterparty risks wiping out user funds. The solution for scaling your application safely is lending infrastructure as a service built on secure, transparent architecture.

As competition intensifies across digital finance, many teams are turning to **white label lending** and white label blockchain solutions to accelerate product deployment while reducing operational complexity. Instead of rebuilding the entire stack internally, modern fintech companies increasingly rely on specialized fintech infrastructure providers that deliver institutional-grade lending capabilities through APIs and modular integrations. 

## The Power of Infrastructure Avoidance
Regulated entities and scaling applications prefer "infrastructure avoidance" — plugging into existing, secure tech rather than building their own. By utilizing a **fintech yield API**, you can **integrate bitcoin lending** directly into your app while sidestepping the complexities of smart-contract development.

For many modern fintech apps, infrastructure flexibility is now a competitive advantage. A scalable **white-label lending platform** allows companies to offer yield and liquidity products under their own brand without assuming unnecessary custodial exposure. 

## Verify-to-Trust via Discreet Log Contracts (DLCs)
Debifi's open-source, non-custodial engine replaces the expensive web of trusted intermediaries (like central clearinghouses) with cryptographic verification. Our platform utilizes Discreet Log Contracts (DLCs) built on Bitcoin's Taproot upgrade and exposed through a secure non-custodial API infrastructure. This ensures that:

- Collateral remains strictly on-chain.
- The contract is governed purely by mathematics rather than human intervention.
- Forced liquidations are automated and executed directly by the Bitcoin network.

This **whitelabel bitcoin lending** approach allows your team to focus exclusively on your app's user experience while we provide the enterprise-grade backend.

Stop wasting engineering resources on complex smart contracts.

👉 **Download the Debifi Q1/2026 Research Report** to learn how to integrate our non-custodial API into your Fintech platform today: 
[https://debifi.com/quarterly_research_q1_26](/quarterly_research_q1_26)


Fintech lending infrastructure as a service via API integration

large_white-label-lending-platform.png

medium_white-label-lending-platform.png

small_white-label-lending-platform.png

thumbnail_white-label-lending-platform.png

white-label-lending-platform.png

Lending Infrastructure as a Service: Plug-and-Play Yield for Fintech

**BTC Prague 2026**, 12.06.2026 – Debifi, a noncustodial Bitcoin-backed loan platform, announces its partnership with **Blockrise** as HSM-secured authorised **key holder** within Debifi's multisig structure in the European Union.

---

Debifi is excited to announce a partnership with [Blockrise](https://www.blockrise.com/en), a Bitcoin-focused crypto asset service  provider based in the Netherlands. This collaboration brings an HSM-secured authorised key into Debifi’s 3-of-4 [multisig infrastructure](/blog/en/security), further strengthening security and transparency for Bitcoin-backed loans in the European Union. 

## Why the Fourth Key Matters
The future of Bitcoin-backed lending depends on one thing above all else: trust minimization. At Debifi, we believe borrowers and lenders should never have to rely on a single party to protect their assets. 

Debifi’s lending model uses a multi-signature structure designed to reduce counterparty risk and eliminate single points of failure. Four parties each hold a partial key: the borrower, lender, platform, and an authorised key holder in case of predefined contingency events. This approach ensures that no single participant can unilaterally move collateral or take control of funds. For simple transactions like moving funds 3-of-4 keys are used. Within this framework, Blockrise takes on the role of an authorised key holder, safeguarding the **fourth key**. This key is only used in exceptional situations, such as borrower-lender disputes or liquidation events, adding an extra layer of security and accountability. 

Blockrise’s key is operated within its HSM-secured environment, which also supports its custody platform, with all generation, storage, and signing processes confined to the devices and private keys never exposed externally.

## Building a More Resilient Lending Ecosystem
By integrating independent, regulated partners like Blockrise, Debifi reinforces a lending ecosystem that is secure, auditable, and fully non-custodial. This partnership ensures Bitcoin holders can unlock liquidity without giving up control over their assets.

Together, Debifi and Blockrise are helping strengthen the security and resilience of non-custodial Bitcoin lending. This structure allows borrowers and lenders to interact with confidence, knowing that security is enforced through cryptography, transparent rules, and distributed control rather than blind trust.

### About Debifi
Debifi is an open-source, non-custodial lending platform that allows users to access liquidity from their Bitcoin without selling, using strict multisig security and zero rehypothecation. By providing transparent, on-chain verifiable infrastructure, Debifi empowers borrowers and institutional lenders to interact securely on their own terms.

### About Blockrise
[Blockrise](https://www.blockrise.com/en) is a Bitcoin-only platform based in Rotterdam, Netherlands, offering brokerage, asset management, and Bitcoin-backed loans via Blockrise Lending BV. Blockrise uses a hybrid custody model that gives clients full ownership of their Bitcoin while maintaining institutional-grade security.



Debifi and Blockrise partnership to strengthen multisig structure

large_blockrise-debifi-cooperation.png

medium_blockrise-debifi-cooperation.png

small_blockrise-debifi-cooperation.png

thumbnail_blockrise-debifi-cooperation.png

blockrise-debifi-cooperation.png

Debifi and Blockrise Partner to Strengthen Non-Custodial Bitcoin Lending

May brought a slight pullback for Bitcoin alongside a major milestone for our Bitcoin-backed lending infrastructure. 

Closing the month on May 31st, Bitcoin traded at **$73,621**, marking a modest decrease of roughly **-3%** from its May 1st opening price of $76,306. The asset's price journey saw early bullish momentum, surging to a monthly peak of **$82,850** on May 6th. Despite the downward price action and repeated rejections at resistance, trading volume remained notably stable throughout the month.

Regarding Debifi's lending metrics, the platform reached a historic milestone: for the first time, borrowing costs have dropped into the single digits. **The average Annual Percentage Rate (APR) is now at 9.9%**, reflecting a highly competitive lending environment. Meanwhile, the average Loan-to-Value (LTV) ratio experienced only minimal changes, remaining rock-solid at **65.45%**. We are also observing slightly shorter loan terms, with the average duration decreasing to **13.13 months**.

This combination of sub-10% interest rates and stable collateral requirements highlights exceptionally favorable conditions for users looking to unlock liquidity against their Bitcoin holdings without selling.

_Sources : Debifi open loan offers, Tradingview & BitBox_


## May 2026 Overview
May stood out as a month defined by a failed attempt to force a return to the bull market. Throughout the month, we witnessed a classic phenomenon typical of bear market transitions. During these phases, the market experiences a temporary upward consolidation that mimics the start of a true rally. 

However, the 200-week moving average proved to be a formidable resistance level. The price tested this strong technical barrier three distinct times (on May 6th, 10th, and 14th) but was rejected on each attempt. 

![Repeated failures to break the 200 MA](https://zr5pqljgeynt.compat.objectstorage.eu-zurich-1.oraclecloud.com/blog-production-mainnet/repeated_failures_to_break_200_ma_f7c3f4063a.png)

In a market that is still working through structural overhead resistance, these premature surges often fail. This behavior is entirely consistent with historical precedents. 

This natural market breather could lead to a temporary return of downside volatility, slightly prolonging our current consolidation phase. Far from being abnormal, this dynamic aligns perfectly with historical market cycles. Given that a standard bear market typically spans 12 to 13 months from its absolute peak to the bottom, the price action of 2026 demonstrates that we seem to follow a very familiar trajectory. 

The market is simply taking the necessary time to base, flush out excess leverage, and build a solid foundation before embarking on its next expansionary phase. 

In this context of structural rebuilding, the measured collateral management we are currently seeing on the platform proves to be the healthiest and most appropriate strategy. To further refine your risk management strategy and optimize your LTV ratio, please refer to [our comprehensive guide](/blog/en/smart-loan-management).

large_may-26-snapshot.png

medium_may-26-snapshot.png

small_may-26-snapshot.png

thumbnail_may-26-snapshot.png

may-26-snapshot.png

Bitcoin & Debifi Snapshot (May 2026)

The traditional financial system operates on a "hub-and-spoke" architecture designed for a world of physical ledgers. The delay between execution and settlement — known as the "settlement gap" — is a major source of systemic inefficiency. For modern quantitative funds and treasury managers seeking **institutional bitcoin lending** solutions, this latency is no longer acceptable.

## Eliminating "Dead Capital"
In legacy finance, managing "Variation Margin" (the daily adjustment of collateral due to price swings) is a clunky process involving manual wire transfers and end-of-day reconciliations. To account for this friction, institutions are forced to hold large, unproductive cash buffers.

The Bitcoin network, acting as a global and decentralized settlement layer, enables deterministic $T-0$ (instant) settlement. Because Bitcoin's price is discovered 24/7 and can be sent in small increments instantly, margin can be adjusted dynamically.

## Lowering the Cost of Capital
This real-time capability allows institutions to maintain "lean" margins. Freeing up this trapped capital significantly increases Return on Equity (ROE) and mechanically lowers the Weighted Average Cost of Capital (WACC). By utilizing a robust bitcoin lending API for programmatic BTC loans, treasury managers can fully automate their APR adjustments and execute automated bitcoin collateral management.

Are you ready to unlock unproductive capital and optimize your variation margins?

👉 **Read our comprehensive Q1/2026 Research Report** to see how quantitative funds are utilizing deterministic settlement to lower their WACC: [Debifi quarterly research nr.1-2026](/quarterly_research_q1_26)

Variation margin optimization through instant bitcoin settlement

large_variation-margin-optimization.png

medium_variation-margin-optimization.png

small_variation-margin-optimization.png

thumbnail_variation-margin-optimization.png

variation-margin-optimization.png

Variation Margin Optimization: How Instant Settlement Lowers Your WACC

For decades, institutional risk models have been built around a simple assumption: stable assets make the safest collateral.

In traditional finance, risk departments still often favor "stable" assets like high-grade corporate bonds or prime real estate for collateral. However, this perspective overlooks a far more dangerous variable during a market crisis: Temporal Risk, or liquidation latency. An asset that is "stable" on paper but takes days or weeks to sell is effectively a liability during a margin call. For institutions seeking **low-risk BTC strategies** and **secure custody solutions**, it is time to shift the focus from price stability to liquidation certainty.

## The Systemic Threat of Probabilistic Settlement
Traditional finance is structurally limited by business hours and $T+1$ or $T+2$ settlement cycles. This latency creates "probabilistic settlement," meaning a transaction is suspended for 24 to 48 hours, contingent upon the successful execution of intermediaries. This delay leads to "temporal insolvency," a critical vulnerability where an institution may have the assets to cover a margin call but cannot move them because the legacy rails are frozen, such as during a weekend crisis.

## The Effective Collateral Security Formula
While critics point to Bitcoin's price volatility, mathematical models demonstrate that its ultra-fast liquidation window yields a higher effective security score than traditionally stable assets. This creates a superior framework for achieving stronger risk adjusted yield compared to slower legacy collateral systems. We can model the security of a collateral position (S) as a function of the Loan-to-Value ratio (LTV), the asset’s volatility (sigma), and the time required to liquidate (Delta):

![Formula](https://zr5pqljgeynt.compat.objectstorage.eu-zurich-1.oraclecloud.com/blog-production-mainnet/formula_810a487d8f.png)

Because Bitcoin's liquidation time (Delta) is measured in minutes (10-60 minutes) rather than days, its overall security score surpasses that of bonds, equities, and real estate. By leveraging a **non custodial bitcoin lending** infrastructure, collateral can be mobilized and liquidated at the speed of information.

Stop relying on probabilistic settlement and vulnerable legacy rails.

👉 **Download our Q1/2026 Deep-Dive Report "Beyond T+2"** to explore the mathematical models behind Bitcoin’s collateral velocity and learn how to secure your operations against systemic volatility: [https://debifi.com/quarterly_research_q1_26](/quarterly_research_q1_26)

large_bitcoin-redefines-modern-collateral-risk.png

medium_bitcoin-redefines-modern-collateral-risk.png

small_bitcoin-redefines-modern-collateral-risk.png

thumbnail_bitcoin-redefines-modern-collateral-risk.png

bitcoin-redefines-modern-collateral-risk.png

Why Bitcoin Redefines Modern Collateral Risk

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

large_bitcoin-super-collateral.png

medium_bitcoin-super-collateral.png

small_bitcoin-super-collateral.png

thumbnail_bitcoin-super-collateral.png

bitcoin-super-collateral.png

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

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 **significant reduction in borrowing costs**, 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 on their own terms.

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>.

large_bitcoin-market-analysis-march-2026.png

medium_bitcoin-market-analysis-march-2026.png

small_bitcoin-market-analysis-march-2026.png

thumbnail_bitcoin-market-analysis-march-2026.png

bitcoin-market-analysis-march-2026.png

Debifi & Bitcoin Snapshot for March 2026

In recent years, the digital asset market has learned a painful lesson: transparency and control are non-negotiable. While many traditional platforms operated as "black boxes," Debifi has remained steadfast in its commitment to a non-custodial architecture where users maintain absolute control over their keys.

Driven by a significant increase in demand from B2B partners and institutional players for scalable, secure solutions, we are taking the next step: **The Launch of the Debifi API Beta**.

## Bridging the Gap for the Experienced Market Participant

Our community consists of seasoned professionals - Founders, Senior Operators, and Bitcoin-Native Investors - typically with 7 to 15+ years of experience in tech and finance. For these decision-makers, time is a high-opportunity-cost asset, and the requirement for robust structure and security is paramount.

The Debifi API is designed to bridge the gap between uncompromising security and automated scalability, providing "security you can reason about".

## Core Functionality: Automation Without the "Black Box"
Unlike centralized providers, our API is built on verifiable processes and minimal trust assumptions. It allows institutions to operate an automated lending platform as well as automate the heavy lifting of Bitcoin-backed lending without the "DeFi chaos" or custodial opacity. Key features include:

- **Contract Creation:** Automated generation of loan agreements based on predefined, conservative risk parameters.
- **Escrow Initialization:** Programmatic orchestration of multi-sig addresses to ensure secure collateral management.
- **Status Monitoring:** Real-time tracking of on-chain confirmations and collateralization levels via a digital lending platform API to ensure total transparency.

## Use Cases: From Treasury to Embedded Finance

We see this API as the backbone for a new generation of embedded lending solutions and financial services tailored to those who prioritize capital preservation:

22. **Corporate Treasury Management:** Access liquidity without selling your core Bitcoin holdings - providing "liquidity without selling your conviction".
23. **Embedded Finance for Banks:** Regulated institutions can seamlessly integrate Bitcoin-backed lending using embedded lending API solutions and scalable digital lending platform APIs into their existing banking ecosystems.
24. **White-Label Solutions:** Fintechs and startups can offer secure lending under their own brand, using Debifi’s infrastructure as a reliable backend.
25. **Reporting & Compliance:** Automated data feeds for audits, tax planning, and regulatory requirements.

## Join the Beta Phase
We are rolling out this Beta in close collaboration with our first institutional partners to ensure the product evolves alongside the needs of the market. Our focus remains on creating a "set it up once, sleep well" experience for professionals who value stability over speculative growth.

For those who want to use capital efficiently while ensuring they stay in control of their assets with zero rehypothecation, the Debifi API provides the ideal infrastructure.

### Interested in Beta Access?
Institutional partners and B2B interested in testing the API can apply for access by contacting **api@debifi.com**.

For more information on our vision for non-custodial finance, visit: [https://debifi.com](https://debifi.com)



large_debifi-api-beta-release.png

medium_debifi-api-beta-release.png

small_debifi-api-beta-release.png

thumbnail_debifi-api-beta-release.png

debifi-api-beta-release.png

Scaling Non-Custodial Infrastructure: Debifi Launches API Beta

In February 2026, Bitcoin market indicators and Debifi lending metrics reflected the following developments:

As of February 28, 2026, Bitcoin was trading at **$67,049**. Throughout the month, the price fluctuated between a high of **$79,362** (Feb 1st) and a low of **$60,112** (Feb 6th). The maximum drawdown reached **-24.2%**. Daily trading volume ranged between **$88 billion and $115 billion**, while 30-day volatility rose to approximately **2.5%.** This represents a substantial month-over-month increase in both volatility (+0.35%) and trading volume (≈ +154%).

Regarding Debifi's lending metrics, the average Loan-to-Value (LTV) ratio remained stable at **63.4%**. The Annual Percentage Rate (APR) decreased by more than 237 basis points, dropping from an average of **13.55%** to **11.18%**.

For the first time, the average loan duration has exceeded **13 months**. This trend is primarily driven by the growing success of our new long-term offerings, which are gaining significant traction.

_Sources : Debifi open loan offers, Tradingview & BitBox_

## February 2026 Overview

February 5th marked a decisive turning point for the month. Under the pressure of macroeconomic turbulence, Bitcoin underwent a correction of approximately 16% within 24 hours. Far from the crypto-native business failures of the past, this pullback was driven by the global economic climate and profit-taking from long-term holders.
A notable highlight: the average LTV on Debifi remained stable at 63.4%, proving the responsiveness of borrowers who successfully adjusted their guarantees in the face of falling collateral prices. 

![LTV trend for Debifi contracts](https://zr5pqljgeynt.compat.objectstorage.eu-zurich-1.oraclecloud.com/blog-production-mainnet/debifi_ltv_graph_f1a05d484a.png)
<center>LTV trend for Debifi contracts. Source: Debifi Contract</center>
 

At Debifi, we provide a notification service via our mobile app and email, advising borrowers to either [top up their collateral](https://debifi.com/blog/en/smart-loan-management) or partially repay the loan when the LTV approaches the 75% threshold. This foresight was instrumental in preventing liquidations amidst recent market swings.

The market retreat in February did not dampen investor appetite; both institutional inflows and credit demand are seeing strong growth. This month, we saw a significant drop in interest rates (APR), which fell from an average of **13.55%** to **11.18%**. These attractive rates (APR) are encouraging Bitcoiners to leverage their holdings through a reputable third party. Looking at the highest vs. the lowest average APR within a 12 month period we see a nearly **50% decrease of APR at Debifi loan offers**.



![Debifi contracts average APR decrease](https://zr5pqljgeynt.compat.objectstorage.eu-zurich-1.oraclecloud.com/blog-production-mainnet/debifi_apr_graph_7dda69ebdc.png)
<center>Debifi contracts average APR decrease. Source: Debifi Contracts</center>
 

This month also sees an acceleration in the number of clients taking out long-term loans (12+ months). The average loan duration on Debifi has now reached 13.36 months. This highlights the success of our long-term loan offers (12 to 24 months), which were introduced last October.

![Contracts average length 2025-2026](https://zr5pqljgeynt.compat.objectstorage.eu-zurich-1.oraclecloud.com/blog-production-mainnet/debifi_contracts_avg_period_graph_c4bbbf50e7.png)
<center>Contracts average length. Source: Debifi Contract</center>
 

Ultimately, February highlights a shift in user behavior: Bitcoin holders are actively managing their liquidity. The transition toward longer-term borrowing suggests a growing confidence in both the asset's long-term value and Debifi’s role as a reliable partner. 

Through our [MultiSig infrastructure](/blog/en/where-bitcoin-is-held), clients unlock liquidity without sacrificing their positions or their sovereignty. It is the ultimate synergy between financial agility and uncompromising collateral protection.

Debifi Blog: News