Debifi

Product Update: Strengthening Security and Control for Your Bitcoin Loans

D
Debifi Team 2 mins read
Debifi Product Update: New Features introduced

At Debifi, our mission is to provide the most secure bridge between your Bitcoin and the liquidity you need. We know that the market never sleeps and that volatility is part of the journey. That’s why we’ve rolled out a series of technical features designed to give you more control over your collateral and make the entire lending process smoother than ever.

Here is a breakdown of the latest features now live on the platform.

Protection Against Flash Crashes: Delayed Liquidation

Bitcoin’s price can be volatile, and short-term "dips" shouldn't force you out of your position. To protect borrowers from abrupt liquidations during sudden market fluctuations, we are introducing Delayed Liquidation.

  • The Safety Buffer: Lenders can now include a delay period of 12, 24, 36, or 48 hours in their offers.
  • Time to React: If your Loan-to-Value (LTV) ratio hits a critical threshold, liquidation isn't triggered instantly. You now have a defined window to top up your collateral or partially repay the loan.
  • Peace of Mind: This feature is a game-changer for those who want to sleep soundly even in volatile market phases. Available for all new contracts.

Maximize Capital Efficiency: Extract Excess Collateral

When the Bitcoin price rises, you might find that you have significantly more capital locked in your multisig escrow than is actually required to secure your loan. With our new Extract Excess Collateral feature, you can reclaim that surplus.

  • Proactive Management: You can now "over-collateralize" your loan in anticipation of volatility (e.g., before going on vacation) and simply withdraw the excess once the market stabilizes or you return.
  • Keep Your Sats Liquid: You don’t have to keep your capital tied up unnecessarily. Move your excess sats back to your own wallet while your loan contract remains active and secure.

Speed & Automation: Save BTC Address

For our power users, every second counts. We have significantly optimized the process for collateral refunds and liquidation releases.

  • Eliminate the Wait: Previously, the withdrawal process often paused while waiting for all parties to manually add their destination addresses.
  • One-Click Withdrawals: You can now save your preferred BTC addresses directly in your account profile. The system automatically retrieves these addresses when a transaction is required, drastically speeding up the signing and broadcasting process.
  • Seamless Reusability: Once saved, your addresses are ready for all future contracts - ensuring a faster, error-free workflow.

Transparent Pricing: Updated Origination Fees

To keep our platform fair and competitive for both small and large-scale loans, we have updated our Origination Fee structure for all new contracts. The fee is now calculated transparently based on Loan Volume and Loan Duration.
Base Fee (by Loan Volume):

  • Up to $300,000: 1.5%
  • $300,001 to $1,000,000: 1.2%
  • Above $1,000,000: 1.0%

Additional Fee (by Loan Duration):

  • Year 1: 0%
  • Year 2: +0.3%
  • Year 3: +0.6%

Example Calculation: A $500,000 loan for a 2-year term would result in a total origination fee of 1.5% (1.2% Base Fee + 0.3% Duration Fee).

Conclusion

These updates reflect our commitment to making Debifi the premier choice for institutional and private Bitcoin holders. More protection, more speed, and full transparency.
Log in to your dashboard today to explore these new features and optimize your borrowing strategy.

D
Debifi Team