Verified against debifi.com and its risk disclosure on 30 July 2026. Rates are market-set and change; confirm your exact quote before borrowing.
How Debifi's Bitcoin loan works
Debifi comes from the team behind Hodl Hodl and exited beta in June 2025 after facilitating over $20M in loans during its 12-month test period. It's a global aggregator of institutional lenders: any financial institution can compete to fund loans, and borrowers pick from offers. Loans pay out in USD, EUR, GBP, CHF, or stablecoins, with terms from short-duration up to 5 years — unusually long for this market.
For each contract, Debifi creates a unique 3-of-4 multisig address on the Bitcoin blockchain. Keys are distributed among independent parties — you hold one — so no single party, including Debifi, can move your collateral. The escrow is designed to remain resolvable even if Debifi ceased to exist.
Rates & fees
There's no posted rate card: lenders compete, and pricing typically lands around 10–14% APR depending on loan size, term, LTV, and market conditions. Debifi states there are no origination or hidden fees; the main contingent cost is a 5% fee on forced liquidation. Interest is paid to the lender at repayment.
LTV & liquidation
Borrowers choose their LTV — 50% is typical, and Debifi itself encourages conservative 30–40% positions. A three-stage margin call system alerts you at 75%, 80%, and 85% LTV, and forced liquidation occurs at 90% if you don't rebalance. Lenders can negotiate custom liquidation levels, which would trigger earlier — check your specific contract. Model your exact prices with the liquidation calculator.
Custody & safety — why we rate Debifi Lower relative risk
Debifi's 3-of-4 multisig with distributed, independent key holders (including AnchorWatch, an insured Bitcoin custody specialist) means no rehypothecation, no pooled collateral, and no unilateral control. There are no smart contracts to exploit — it's plain Bitcoin-native multisig. Residual risks are market gaps during flash crashes, multisig coordination delays, and your own key management. Debifi publishes an unusually candid risk disclosure covering these. See how we score lenders on the methodology page.
What a $50,000 Debifi loan costs
Offers vary by lender and market conditions — competitive bidding can price better for larger, lower-LTV loans. Figures are illustrative.
Pros & cons
Strengths
- 3-of-4 multisig escrow — you hold a key; no rehypothecation
- Independent key holders including AnchorWatch
- Terms up to 5 years — longest among BTC-only lenders we track
- Institutional liquidity with no maximum loan size
- Fiat payouts in USD, EUR, GBP, CHF plus stablecoins
- Transparent three-stage margin call system
Trade-offs
- $20,000 minimum shuts out smaller borrowers
- Market rates typically ~10–14% — not the cheapest
- 5% fee if forced liquidation occurs
- No posted rate card — you must request offers
- You must manage your own escrow key responsibly
Who Debifi is best for
Debifi suits high-conviction holders, businesses, and treasuries borrowing $20K+ who want institutional-grade liquidity and multi-year terms without custodial risk. For smaller loans with the same no-custody philosophy, see Firefish; for a US line of credit, see Lava; for a custodial comparison at similar rates, see Ledn or Unchained.
FAQ
What is Debifi's Bitcoin loan interest rate?
Market-set by competing institutional lenders — typically around 10–14% APR depending on size, term, and conditions.
Who holds my Bitcoin at Debifi?
A 3-of-4 multisig escrow on the Bitcoin blockchain with keys distributed among independent parties — including you. Rehypothecation is strictly prohibited.
When does Debifi liquidate collateral?
Margin calls at 75%, 80%, and 85% LTV; forced liquidation at 90% with a 5% fee, unless a custom level was agreed in your contract.
What is the minimum loan at Debifi?
$20,000, with no maximum — terms run up to 5 years.
See Debifi next to every other lender
Live rates, LTV, liquidation thresholds, custody, and minimums for every lender we track in one verified table.
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