Sygnum and Debifi Combine Bitcoin Multi-Sig Technology with Regulated Bank Lending Services
- First bank globally to seamlessly combine Bitcoin-native multi-signature wallets with bank-grade lending services
- Partnership with Debifi addresses growing institutional demand for self-sovereign Bitcoin lending solutions as traditional finance’s embrace of Bitcoin collateral accelerates
- New product is latest Bitcoin@Sygnum initiative to advance regulated Bitcoin products, technology integrations and research
- Announcement made on the first anniversary of Sygnum opening its Lugano office, and on first day of Switzerland’s premier Bitcoin event, the Plan B Forum
Zurich, 24 October, 8:00 AM CET — , a global digital asset banking group, announces its partnership with Debifi, a Bitcoin-backed non-custodial lending platform, to develop MultiSYG, an innovative Bitcoin-native multi-signature lending solution. The product, set to launch in H1 2026, is the first multi-signature Bitcoin lending solution from a regulated bank. MultiSYG empowers borrowers to maintain shared control of their collateral through distributed key management rather than via a single custodian. At the same time, they also benefit from the competitive rates, flexible drawdown schedule, loan durations – and white-glove service – of a regulated bank.
MultiSYG enables Sygnum clients to draw fiat loans against their Bitcoin collateral held in a 3-out-of-5 multi-signature escrow wallet. Distributed control requires multiple private keys to authorise transactions, enabling Bitcoin holders to maintain visibility of their collateral on-chain. This is in line with the fundamental principle of "not your keys, not your coins" that resonates strongly within the Bitcoin community.
"A Bitcoin loan should not require blind trust in a custodian," says Max Kei, CEO and Founder of Debifi. "MultiSYG's 3-out-of-5 key structure means borrowers can verify their collateral on-chain, while continuing to benefit from Sygnum’s banking relationship and service. After facilitating millions in non-custodial loans, we know this is what the market has been waiting for."
“With MultiSYG, we are bringing Bitcoin-native technology to regulated bank lending" says Pascal Eberle, Bitcoin@Sygnum and MultiSYG initiative lead at Sygnum Bank. "Borrowers can benefit from bank-grade terms in pricing, drawdown flexibility, and loan duration, while keeping cryptographic proof of their holdings and partial control of their Bitcoin via multi-signature technology. MultiSYG combines the best of both worlds—the ability to hold your own keys while accessing regulated banking products and white-glove service.”
While other banks require full custody for Bitcoin-backed loans, MultiSYG's distributed key management means clients retain verifiable control of their collateral throughout the loan term – a growing demand from Bitcoin investors. MultiSYG provides a cryptographic guarantee that assets are not rehypothecated, a practice common at traditional banks and other lending services providers.
This positions Sygnum as the only regulated bank globally offering Bitcoin lending that aligns with the self-sovereignty principles driving institutional Bitcoin adoption. This is a critical differentiator as more companies add Bitcoin to their balance sheets. MultiSYG will complement Sygnum's existing Credit & Lending portfolio and will be available to all Sygnum Bank customers, irrespective of the client’s jurisdiction, upon launch in H1 2026.
About Sygnum
Sygnum is a global digital asset banking group, founded on Swiss and Singapore heritage. We empower professional and institutional investors, banks, corporates and DLT foundations to invest in digital assets with complete trust. Our team enables this through our institutional-grade security, expert personal service and portfolio of regulated digital asset banking, asset management, tokenization and B2B services.
In Switzerland, Sygnum holds a banking license and has CMS and Major Payment Institution licences in Singapore. The group is also regulated in the established global financial hubs of Abu Dhabi, Luxembourg and is registered in Liechtenstein.
We believe that the future has heritage. Our crypto-native team of banking, investment and digital asset technology professionals are building a trusted gateway between the traditional and digital asset economies that we call Future Finance. To learn more about how Sygnum’s mission and values are shaping this digital asset ecosystem, please visit and follow us on LinkedIn and X.
Media contact
Dominic Castley, Chief Marketing Officer
[email protected]
Sygnum Bank AG
Uetlibergstrasse 134a
8045 Zurich, Switzerland
About Debifi
Debifi is the premier platform for non-custodial Bitcoin-backed lending enabling institutions and individuals to leverage their Bitcoin holdings as collateral while maintaining full control of their keys.
The platform's multi-signature escrow technology and strict no-rehypothecation policy ensure client assets remain secure and verifiable at all times, with security validated through multiple independent audits.
Debifi's mission is to accelerate financial freedom through non-custodial, Bitcoin-backed lending solutions that provide institutional-grade liquidity, positioning Bitcoin as the premier collateral asset in global credit markets. For more information, visit and follow us on and .
Media contact:
Sergejs Ponomarjovs, Chief Marketing Officer
[email protected]