English (en)

Lugano, here we come! On 23 and 24 October the Debifi team will be at Plan ₿ Forum. Two days, one stand, and one subject we never get tired of: multisig.

**When:** 23-24 October 2026 
**Where:** Plan ₿ Forum, Lugano, Switzerland 
**Our stand:** 105, next to Sygnum

## Why we are talking about multisig

After last year's hacks, security is what bitcoiners ask us about most. Multisig is our answer to that question, and it is what Debifi is built on. So we made our whole stand about it. You can try it, play it, and ask us anything about it.

## Find us at stand 105

We are at stand 105, right next to Sygnum. The whole team will be there both days, so come and put faces to the names.

### What is happening at the stand

**Try our platform.** Go through the full flow of the loan, with us next to you. It takes 30 to 40 minutes, [so please book a slot](https://debifi.com/events/plan-b-lugano-2026).

**Get 15 minutes with the team.** Bring your questions about borrowing, lending, Vault or the API. [Book a slot, or just drop by](https://debifi.com/events/plan-b-lugano-2026).

**Play multisig.** Pick up a card with four keys at our stand. Collect a stamp for each key around the forum, bring the full card back to us, and you are in the draw for one of three Trezor Safe 7 hardware wallets. We pick the winners at random on 24 October.

**Or just say hello.** Even five minutes is enough to meet us.

### We would love to meet you

Whether you are thinking about borrowing against your bitcoin, lending, building lending into your own product, or connecting an AI agent to your loan book, come and tell us what you are working on.

## Cannot make it to Lugano?

[Leave your email on the event page](https://debifi.com/events/plan-b-lugano-2026) and we will send you a PDF on how Debifi works, plus a discount code for your first two loans. About a week after the forum, we will publish a write-up of the two days, with photos and what people asked us most.

[See you in Lugano!](https://debifi.com/events/plan-b-lugano-2026) 

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Let's talk multisig in Lugano

Following June's sharp drawdown, Bitcoin staged a modest recovery in July, opening the month at **$58,545** and closing at **$62,750**, representing a **7.27%** monthly gain. At the same time, 30-day volatility declined significantly, dropping from **42%** in June to **31%**, as market conditions stabilized after the previous month's heightened turbulence. This moderation in volatility points to a healthier and more balanced trading environment.

On the lending side, Debifi's metrics showed only modest changes. The average loan duration edged down slightly to **12.76** months, reflecting a stable preference for medium to long-term financing. Borrowing costs continued to ease, with the average Annual Percentage Rate (APR) declining to **10.11%**, reinforcing the attractive financing conditions available on the platform.

The average Loan-to-Value (LTV) ratio also decreased to **64.12%**, indicating a slightly more conservative lending environment. Overall, July's figures reflect a healthy and balanced market, with borrowers continuing to benefit from favorable financing conditions while maintaining prudent leverage levels.

_**Sources:** Debifi open loan offers, The Block, TradingView & BitBox._

<hr>

## Test Bitcoin-Backed Lending for Just $50!

Experience Debifi’s non-custodial workflow with zero stress before committing larger funds.

[Try out the $50 demo offer here.](/blog/en/50-dollar-demo-loan-offer)

<hr>
 

## July 2026 Overview

Following June's correction, July brought a welcome period of stabilization. Bitcoin recovered 7% over the month while volatility eased considerably, allowing market participants to shift their attention away from short-term price swings and back toward long-term capital management. This effect is evident in the **decrease of the average LTV from around 68.4% to 64.12%**, demonstrating our clients' proactive portfolio management.

At Debifi, we believe that one of the most important decisions for anyone using Bitcoin-backed loans is selecting the appropriate Loan-to-Value (LTV) ratio. While many lending platforms advertise high maximum LTVs, experienced Bitcoin holders increasingly recognize that borrowing the maximum available amount rarely represents the optimal strategy.

For long-term investors, the objective is not to maximize leverage but to unlock liquidity while preserving ownership of their Bitcoin. A conservative LTV provides a significant safety buffer against Bitcoin's natural volatility, reducing both the likelihood of margin calls and the need to actively manage collateral during periods of market stress.

This philosophy is increasingly reflected in borrower behavior. Family offices, entrepreneurs, and high-net-worth individuals generally favor initial **LTV ratios between 20% and 35%**, prioritizing capital preservation over maximum borrowing power. While higher LTVs offer greater immediate liquidity, they also expose borrowers to substantially greater liquidation risk during sharp market corrections. You will find more info on how to manage your LTV [in this article](/blog/en/typical-ltv-for-bitcoin-backed-loans-2026). 

At Debifi, we observe the same long-term mindset. Although our marketplace offers flexible lending conditions, borrowers continue to actively monitor their positions and maintain prudent leverage levels, as reflected by the slight decline in the average LTV during July. Combined with our non-custodial multisignature model and strict no-rehypothecation policy, this conservative approach allows Bitcoin holders to access liquidity without compromising the security of their most valuable asset.

**In Bitcoin-backed lending, the best loan is not necessarily the largest one. It is the one that allows you to sleep well at night, knowing that your Bitcoin remains protected while continuing to work for you.**

> :bulb: **Tip:** **Curious about Bitcoin-backed lending but hesitant to take your first loan?**
>
>We’ve introduced a **$50 Demo Loan Offer** on Debifi so you can experience our full non-custodial workflow firsthand from accepting a contract to depositing BTC collateral into multisig escrow and completing repayment.
>
>Running on our main platform with real Bitcoin, this low-friction offer gives you total peace of mind and complete familiarity with the interface before committing larger funds. 
>
>[Try out the $50 demo offer here](/blog/en/50-dollar-demo-loan-offer) and see how seamless non-custodial lending can be!

Bitcoin and Debifi lending snapshot for July 2026

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Debifi & Bitcoin Snapshot for July 2026

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

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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 capabilities through lending 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 Through Non-Custodial Infrastructure
Debifi’s open-source, non-custodial infrastructure reduces reliance on intermediaries through cryptographic verification and secure lending API infrastructure. Collateral remains on-chain, while partners can integrate Bitcoin-backed lending capabilities without taking custody of client collateral. 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

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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

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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).

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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

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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)

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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 approaches to liquidation and collateral-risk management
- 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"

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>.

Debifi Blog: News