Debifi & Bitcoin Snapshot for March 2026
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 and the Beta API.
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 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
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
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 [email protected].