Debifi API · For companies
Work with Debifi
from your own software
Contracts, offers and escrow steps, run from your accounting system, CRM or service instead of the website. Or bitcoin-backed lending inside your own product, with the multisig run by us.
For companies with a corporate account on Debifi. Access is off by default and is turned on at your request.
In short
The website is for your team.
Usually your team works with Debifi through the website: they look at contracts, create offers, confirm payments.
The API is for your software.
The API lets your own software do the same things directly, with no manual work on the website. If you have your own accounting system, CRM or service, you can connect it to Debifi and let the work run automatically.
Who can use it
Companies only
You need a corporate account on Debifi. The API is available to companies only.
Off by default
Access is turned on at your request. Until then, your account works through the website as usual.
Key and certificate
Your software connects with an API key and a certificate. You can also limit access to a list of allowed IP addresses.
What you can do through the API
Almost everything a company does on the website.
| Area | What you can do |
|---|---|
| Contracts | View and create contracts, and move them through each stage: accept terms, create the escrow, confirm payment and repayment, request an extension, open a dispute, cancel. |
| Escrow | Provide your public keys for the escrow, sign the release of the collateral, set the addresses where bitcoin is returned. |
| Offers | Create, edit, turn on and off (one or many at once) and delete offers. Browse the offers on the platform. |
| Documents and chat | Attach documents to a contract. Read and write in the contract chat. |
| Bank details | Manage your bank details. |
| Verification | Complete company verification (KYB). Handle identity verification requests. |
| Account | View settings, manage the list of allowed IP addresses, receive notifications. |
There is a second way to use it.
Lending inside your own product. We run the multisig.
Offer bitcoin-backed loans to your own customers, under your own brand. The customer, the brand, the pricing and the compliance perimeter stay yours. We handle everything that touches bitcoin.
Who does what
A clear split. You run the business. We run the escrow.
You keep
The customer.
The relationship, the onboarding and the support stay with you.
The brand.
Your customer borrows from you, in your product.
The pricing.
You set the rate and the terms.
The compliance perimeter.
Your licence, your KYC, your rules.
We run
The multisig escrow.
The collateral sits at an address with several keys on it.
The key setup.
Between you, your customer and the other key holders.
The signing steps.
To fund the escrow, return the collateral, or transfer it under the contract.
The on-chain record.
The address and its spending rules are on the blockchain, so your customer can check them.
What you would otherwise build
Lending against bitcoin without taking custody is not one feature. It is a set of systems that all have to work together, for every loan.
- Key generation on your customer’s side, in an app or on a hardware wallet.
- A multisig address and its spending rules for each loan.
- A signing flow between several parties who are not online at the same time.
- Watching the blockchain for deposits and confirmations.
- Independent key holders, and the agreements with them.
- A way for your customer to check the collateral on chain.
Verified, not promised
With a custodian, the customer has to trust a policy that the collateral is not reused.
With a multisig escrow, the spending rules are on the blockchain. No single key holder can move the coins alone. Anyone can check the address and the keys.
What to plan for
A multisig protects against one lost or stolen key. It also means a minimum number of key holders must be reachable to move the coins.
Plan for what happens if a key holder is not available. We go through this with your risk and compliance teams before anything goes live.
A Swiss bank chose multisig
In October 2026 Sygnum, a Swiss bank licensed by FINMA, announced MultiSYG, developed with Debifi. It is designed for Sygnum clients to borrow fiat against bitcoin held in a 3-of-5 multisig escrow, and to check their collateral on chain.
Sygnum keeps the client, the terms and the service.
Request access
Tell us what you want to connect. We reply by email about access, or set up a call to plan how to integrate bitcoin-backed lending into your product.
