Swiss-Domain
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Non-custodial Bitcoin-backed lending for loan offers exclusively from Swiss lenders.
Bitcoin-backed lending platform
Debifi is a Bitcoin-backed lending platform that allows you to borrow against your Bitcoin without giving up control of your assets.
Access stablecoins or fiat liquidity while keeping full ownership of your BTC.
Why borrow against Bitcoin
with Debifi?
High security
Every action within the protocol must be approved using a private key generated on a separate device. This creates an additional security layer designed for serious lenders and borrowers.
Your keys. Your Bitcoin
Your collateral is never held by Debifi. Instead, loans are secured through a 3-of-4 multisig escrow, with keys distributed between trusted independent parties.
High volume loans
At Debifi you get the offers from independent institutional liquidity providers from Switzerland offering flexible loan terms — including long-term loans of up to 5 years.
Built by Bitcoiners — Designed for Transparency
Borrowing against Bitcoin should not mean losing control. Debifi's multisig escrow model helps prevent collateral rehypothecation while providing transparency and security at every stage.
Unlock the full potential of your Bitcoin with borderless stablecoin and fiat lending solutions.
How Debifi works
Escrow creation
Your Bitcoin collateral is placed into a secure multisig escrow. Your assets remain dedicated solely to securing your loan.
Loan origination
Create and sign loan contracts safely through the Debifi app. Security and transparency are integrated into every step.
Loan repayment
Repayment is simple and direct — the borrower sends loan amount and interest straight to the lender. Once completed, the collateral is released.
Best rates and flexible terms
Debifi unites institutional lenders from Switzerland on a single platform, creating a competitive environment that drives down costs and provides you with highly flexible lending conditions.
No Rehypothecation
We believe in transparency. Your Bitcoin stays in a dedicated escrow account for the duration of the loan. It is never lent out, never traded, and never moved without your involvement.
Become a Bitcoin-backed lender
Earn attractive returns by lending stablecoins or fiat — secured by Bitcoin collateral.
Debifi is a lending platform designed for institutional lenders seeking transparency, risk management, and efficient capital deployment. Debifi enables lenders to participate in over-collateralized Bitcoin-backed lending with strong risk controls such as a multi-level margin call system, automated liquidation mechanisms, and a high-security multisig architecture.
On Debifi, your capital is protected by Bitcoin — one of the most established digital assets. Lenders maintain clarity and control throughout the entire lifecycle of the loan.
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Borrowing against Bitcoin on Debifi: Competitors comparison
Built by Bitcoiners with deep industry experience, Debifi focuses entirely on Bitcoin-backed lending — providing a more specialized alternative to generalized crypto lending platforms.
| Feature | | Typical Competitors |
|---|---|---|
| Custody model | Pure multisig escrow | Often custodial/mixed |
| Loan flexibility | Short- and long-term loans | Usually fixed-term options |
| Bitcoin focus | Fully Bitcoin-focused | Multi-coin, less specialized |
| Rehypothecation | Strictly none | Usually none, but not always transparent |
| Minimum loan amount | Premium Bitcoin-backed loans starting from $20,000. No maximum limits. | Often high minimums for institutions |
Strategic partnership with Sygnum Bank
Debifi has partnered with Sygnum Bank, a regulated Swiss digital asset bank, to develop MultiSYG — an innovative 3-out-of-5 multi-signature lending solution.
This collaboration combines Debifi's non-custodial Bitcoin technology with bank-grade lending services, addressing the growing institutional demand for secure Bitcoin-backed financing.
For the first time, clients can access bank-grade credit lines while maintaining shared control of their keys. No blind trust, no rehypothecation — just pure cryptographic transparency backed by a regulated Swiss bank.
Borrow against your Bitcoin vs. Selling Bitcoin
Understanding the difference between selling your Bitcoin and using it as loan collateral is key to making smarter financial decisions.
Asset-backed lending has long been used in traditional markets such as real estate and precious metals. Bitcoin-backed loans bring this proven model to the digital asset space.
Instead of selling your assets and losing future upside, with Debifi, you can use your Bitcoin as collateral to secure immediate funds for any personal or business expense.
| Features | Bitcoin Backed Loans | Selling BTC |
|---|---|---|
| Keep long-term BTC exposure | Yes, you keep your Bitcoin | No, you lose Bitcoin exposure |
| Immediate liquidity | Yes | Yes |
| Tax efficiency | Yes, typically no tax event | No, usually triggers taxes |
| Retain BTC’s upside potential | Yes | No |
| Protection from forced selling at low prices | Yes, no forced selling at market lows | No, risk of selling at unfavorable prices |
Start borrowing against your Bitcoin today.
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