Earn High-Yield Returns
on secure Bitcoin collateralized loans
Debifi enables institutional lenders to deploy capital into Bitcoin-collateralized loans, earning predictable returns with full on-chain transparency and no rehypothecation.
Backed by
Our partners
Why Bitcoin-Backed Lending?
Bitcoin is the world’s best collateral — liquid, decentralized, and secure. Debifi enables institutional lenders to earn high-yield, low-risk returns by lending against Bitcoin collateral, using fully over-collateralized loan structures, ensuring full transparency and zero rehypothecation risks.
Institutional-Grade Liquidity
Deploy capital into high-volume loans against Bitcoin and earn consistent yields when you lend Bitcoin-secured liquidity to verified borrowers.
Fast Onboarding &
Deployment
Start lending after completing a simple KYB verification and signing Lender’s agreement.
Competitive Fees & No Hidden
Costs
Dynamic origination fees paid by borrowers start at 1% and there are no early repayment penalties. Lenders pay no platform fees.
High-Yield Returns
Why Debifi is different?
Unlike traditional crypto lending platforms that expose lenders to counterparty risk, Debifi operates on a secure, non-custodial model, leveraging 3-of-4 multisig escrow to protect collateral at all times.
Why Lenders Choose Debifi?
Over-collateralized loans
Each loan is fully backed by Bitcoin.
Advanced Risk Management
Live LTV monitoring, on-chain
collateral verification, and automated margin calls.
Regulated Yet Decentralized
KYB-verified lenders in a fully compliant environment while maintaining Bitcoin’s core principles.
Real Results:
Institutional Partners & Borrowers Speak
Aquarius Fund was looking for an MPC-based solution to offer BTC-backed loans securely while ensuring full transparency for borrowers regarding their collateral. Not just a statement — our borrowers can monitor their BTC in real time and understand exactly what's happening with their collateral assets at any point. We're pleased with the experience of working with the Debifi platform and their team.
Lender
Arnab Naskar
Manager of the Management Company of Aquarius Alternative High Yield Debt Fund S.C.S.
Our mission at Berglinde has always been to drive innovation at the intersection of Bitcoin and traditional finance. Debifi’s groundbreaking approach to Bitcoin lending aligns perfectly with our vision of empowering institutions to invest in Bitcoin with confidence and integrity. This partnership sets the stage for a prosperous Bitcoin economy.
Lender
Phil Lojacono
Co-Founder of Berglinde
Being able to access funding with Bitcoin made it even more convenient, and it’s been a game-changer for us. Definitely worth considering if you’re looking for a solid lending option. Right now, we’re preparing the 500,000 m² piece of land for our community, working on the design of our unschooling neighborhood, and all of this would not be possible without Debifi.
Borrower
Sylvia Brinded-Püls
Founder of APTB
The ability to unlock liquidity without selling Bitcoin was game-changing for us. Debifi’s platform allowed us to secure funding for Seed12 while maintaining long-term exposure to Bitcoin. The process was transparent, and their support team was always available to answer questions and guide us through the loan process. We couldn’t have asked for a better partner to help us stay true to our Bitcoin-first philosophy while expanding into traditional markets.
Borrower
Woj
CEO of Cryptosteel
I took out a large loan against my Bitcoin with Debifi and was genuinely impressed. The process was fast, smooth, and fully non-custodial. Thanks to their multisig setup, I kept control of my BTC the entire time. The funds hit my account within hours. This is how Bitcoin-backed lending should be.
Borrower
Brad Mills
Bitcoin angel investor
Featured ON
Zero
Rehypothecation
How Debifi Works:
Bitcoin Collateralized Lending Process Explained
Loans issued by institutional lenders. Everyone can become a borrower.
Lender Onboarding & KYB Verification
Institutional lenders complete a fast KYB verification (hours, not days) and sign a legal agreement.
Once signed, lenders can set their own interest rates and loan terms.
Secured Bitcoin-Collateralized Lending
Borrowers lock Bitcoin in a 3-of-4 multisig escrow (Lender, Borrower, Debifi, and Independent Key Holder). Lenders transfer fiat or stablecoins to the borrower, with a fee charged to the borrower.
Loan Repayment & Yield Generation
Borrowers repay loans in fiat or stablecoins, unlocking their Bitcoin.
Lenders earn high-yield interest, with APR rates between 10%-14%.
The Benefits of Lending with Debifi
Global Lending Marketplace
Access to a worldwide network of borrowers, ensuring optimal lending conditions.
Flexible Lending Options
Lend in USD, EUR, CHF, GBP or stablecoins (USDT, USDC).
Risk Mitigation
Borrowers set their preferred liquidation level, and a three-step margin call system automatically adjusts to provide structured risk alerts.
Liquidation Protection
If the agreed threshold is reached, liquidation occurs under predefined terms to protect lender capital.
Lender FAQ
Addressing Common Questions
How do I become a lender on Debifi?
Submit the "Become lender" form on our website. Complete a quick KYB verification and sign a lender agreement. Once approved, you can set your own loan terms and start lending against Bitcoin-backed collateral.
How do I know my funds are safe?
All loans are secured by a 3-of-4 multisig escrow, ensuring that no single party (including Debifi) can access funds.
Is lending against Bitcoin safe?
Yes. All loans are over-collateralized with Bitcoin and secured through a non-custodial 3-of-4 multisig escrow with real-time LTV monitoring and automated risk controls.
Can I withdraw funds at any time?
Yes. Loans are structured with clear terms, and there are no lock-in periods beyond the loan agreement.
What happens if the borrower doesn’t repay?
The collateral is liquidated automatically at predetermined LTV level, ensuring lenders recover their principal and interest.
Got more questions?
Answers to all your questions on our FAQ page
How Debifi Stands Out: Competitive Advantage
Debifi removes counterparty risk, ensures on-chain transparency, and protects lenders at every step.
| Feature | | Typical Competitors |
|---|---|---|
| Collateral Security | 3-of-4 Multisig, No Custody | Centralized Custody |
| Rehypothecation | No | Yes (high risk) |
| Transparency | On-Chain Verification | Opaque Practices |
| LTV Monitoring | Live Alerts | No Real-Time Monitoring |
| Loan Durations | Up to 5 Years | Limited Options |
| Early Repayment Fees | None | Often High |
Become Lender
Contact our team to create a Lender account and prepare to lend
