Debifi & Bitcoin Snapshot for February 2026
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.
At Debifi, we provide a notification service via our mobile app and email, advising borrowers to either top up their collateral 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.
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.
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, clients unlock liquidity without sacrificing their positions or their sovereignty. It is the ultimate synergy between financial agility and uncompromising collateral protection.