Debifi & Bitcoin Snapshot for January 2026
In January 2026, the Bitcoin market indicators and Debifi lending metrics reflected the following developments:
As of January 31, 2026, Bitcoin was priced at USD 78,689. During the month, the price fluctuated between a high of USD 77,250 and a low of USD 60,820. The maximum drawdown reached –21.3%. Average daily trading volume ranged between USD 35 and 45 billion, while 30-day Bitcoin volatility stood at approximately 2.15%.
Regarding Debifi’s lending metrics, the average loan-to-value (LTV) ratio was 60%, with an overall LTV range of 50% to 70%. The annual percentage rate (APR) varied between 8.5% and 20%. The average loan size amounted to USD 60,000, and loan durations ranged from 1 to 24 months.
Sources : Debifi open loan offers, Tradingview & BitBo
January 2026 Overview
January was a month of recalibration and stress-testing, both for the global macroeconomic landscape and the Bitcoin-backed lending ecosystem.
Following a period of stability in December, the market entered a sharp corrective phase in late January. This Bitcoin downturn saw volatility double compared to the previous month's average, yet market liquidity remained remarkably robust. This price action was largely driven by a high correlation with the global market; as equity markets faltered, institutional algorithms triggered mechanical sell orders to mitigate Value at Risk (VaR). This automated liquidation by institutional funds occurred independently of Bitcoin’s strong underlying fundamentals.
This dynamic didn’t influence Debifi’s lending activity. Despite elevated market volatility and a sharp drawdown, the platform continues to see new contracts being confirmed, increased interest from institutional Lenders and Borrowers, and loans remained conservatively collateralized with stable loan-to-value ratios (average of 60%). This outcome highlights Bitcoin’s unique capacity to absorb price shocks while remaining usable as reliable collateral, as well as the effectiveness of Debifi’s disciplined four steps margin call framework.
As the Loan-to-Value (LTV) ratio approaches the threshold of 75%, the platform automatically triggers notifications via the mobile app and email, advising the borrower to either top up their collateral or partially repay the loan. This proactive approach is essential as it empowers users to manage their risk in real-time, preventing unexpected liquidations during periods of high volatility.
Despite the month’s volatility, January’s conclusion remains positive. Bitcoin’s ability to function as robust collateral under pressure confirms the strength of this asset class. At Debifi, we are entering 2026 with a clear focus: scaling our platform while upholding the highest standards of transparency. Through our MultiSig architecture and sound risk management, we continue to offer a sanctuary for those seeking to leverage their Bitcoin without compromising on security.