What Debifi does

Debifi is a non-custodial Bitcoin-backed lending platform that provides institutional-grade liquidity to borrowers pledging BTC as collateral. Incorporated in Cyprus as Debifi Development Ltd (registration HE 482348) and founded in 2021, the company operates a 3-of-4 multi-signature escrow architecture in which keys are distributed among the borrower, the lender, Debifi, and an Authorized Key Holder. This design — combined with a zero rehypothecation guarantee and on-chain transparency — is the core technical proposition differentiating Debifi from custodial and mixed-custody competitors. The platform is delivered through a web interface (debifi.com) and a required mobile application distributed via iOS App Store, Google Play, F-Droid, and direct APK, with hardware wallet integration supporting COLDCARD Q, COLDCARD Mk4, and TAPSIGNER for key generation and transaction signing. KYC is performed via Sumsub across both borrower and lender flows.

The product surface spans Bitcoin-backed term loans (stablecoin or fiat) issued by institutional lenders, a USA-only Bitcoin Prepaid Visa Card ($500-$950, 14.4%-14.9% APR, 2-of-3 multisig), an Institutional Lending Infrastructure module enabling financial institutions to set custom terms and access a global borrower marketplace, and a white-label Lending Infrastructure as a Service offering for fintech partners. Revenue is generated exclusively through tiered, transaction-based origination fees: 1.5% on loans up to $300,000, 1.2% on loans between $300,001 and $1,000,000, and 1.0% on loans above $1,000,000, with duration-based fees beginning at 0% in the first year.

Debifi pursues a hybrid go-to-market: product-led, self-serve onboarding for individual HODLers and small businesses, paired with direct enterprise sales targeting institutional lenders and corporate treasury teams. Bitcoin-native venture backers include Axiom, Timechain, Fulgur Ventures, Epoch VC, Ten31, and Plan B Fund. Strategic partners include Blockstream (Core technology), Sygnum Bank (institutional banking distribution, MultiSYG product planned for H1 2026), Blockrise (partnership announced for June 2026), and several service partners (AnchorWatch, Hodling SA, FreeMadeira, Berglinde, Aquarius/AQF). The company operates with 1-10 employees and serves a global market subject to embargoed-jurisdiction exclusions.

Name

Debifi

Legal name

Debifi Development Ltd

Website

https://debifi.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Debifi is a non-custodial Bitcoin-backed lending platform using 3-of-4 multisig escrow to provide institutional-grade liquidity. It serves individual HODLers, small businesses, miners, corporate treasury teams, and institutional lenders globally, earning tiered origination fees on loan volume.

Ownership category

akta.pro rank

Product category

Bitcoin-Backed Lending Platform

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Nondepository Credit Intermediation (5222)

SIC

Loan Brokers (6163), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Crypto-Backed Business / SME Loans (Secured) (FSADAFAH)

akta.pro secondary industries

Crypto-Backed Consumer Loans (Secured) (FSADAFAG), Decentralized Lending & Credit Markets (overcollateralized/undercollateralized, P2P) (FSAPAEAA)

Keywords

• Bitcoin-backed lending
• Non-custodial crypto loans
• Crypto collateralized finance
• Multisig escrow loans
• Institutional Bitcoin liquidity

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Loan Origination Fees: Transaction-based fees charged as a percentage of total loan volume at origination. Fee tiers based on loan amount: 1.5% for loans up to $300,000 USD, 1.2% for loans between $300,001 and $1,000,000 USD, and 1.0% for loans above $1,000,000 USD. Additional duration-based fees apply, starting at 0% for the first year.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels8 records

Core offering

Debifi operates a non-custodial Bitcoin-backed lending platform where borrowers can obtain stablecoin or fiat loans by pledging BTC as collateral. Loans are issued through institutional liquidity providers and secured via a 3-of-4 multi-signature escrow system that keeps collateral off Debifi's balance sheet, eliminating rehypothecation. The service is accessible via web and mobile apps, and also offered in white-label form to fintech partners and institutional lenders.

Product overview

Debifi is a non-custodial Bitcoin-backed lending platform providing institutional-grade liquidity. The core product is a Bitcoin lending platform accessible via mobile app (iOS, Android, F-Droid) and web interface, where borrowers can use BTC as collateral for stablecoin or fiat loans through a 3-of-4 multisig escrow system. Key products include: (1) Bitcoin-Backed Loans - the primary platform for obtaining loans secured by Bitcoin with keys distributed among borrower, lender, Debifi, and an Authorized Key Holder; (2) Bitcoin Prepaid Card - a prepaid Visa card offering $500-$950 amounts backed by BTC collateral using 2-of-3 multisig, available in the USA; (3) Institutional Lending Infrastructure - enabling financial institutions to earn yield by lending against Bitcoin collateral; and (4) Lending Infrastructure as a Service - white-label capabilities for Fintech partners. All products are built around Bitcoin as collateral with no rehypothecation and full on-chain transparency.

Differentiator

Problem solved

Functional benefit

Products and services

• Bitcoin-Backed Loans Non-custodial Bitcoin-backed lending platform that enables borrowers to obtain stablecoin or fiat loans by pledging BTC as collateral. Loans are issued by institutional lenders and secured through a 3-of-4 multi-signature escrow with keys held by the borrower, lender, Debifi, and an Authorized Key Holder, so collateral remains under user control and cannot be rehypothecated.
• Debifi Mobile App Required native mobile application for accessing the Debifi platform, enabling private key storage, transaction signing, loan and collateral management, contract handling, and notifications about repayment deadlines and loan approvals. Available on iOS App Store, Google Play Store, and F-Droid.
• Bitcoin Prepaid Card Bitcoin-backed prepaid Visa card that lets users spend fiat without selling their Bitcoin, funded by a Bitcoin-collateralized loan ranging from $500 to $950 USD with 3-to-12-month terms and 14.4%-14.9% APR, secured via 2-of-3 multi-signature escrow with no commissions. Available to USA-based users only.
• Debifi Web Platform Web-based interface at debifi.com for browsing loan offers, creating and managing offers, signing contracts, and accessing account features. Works together with the Debifi mobile app for signing and authentication.
• Institutional Lending Infrastructure Platform module that lets institutional lenders deploy capital into Bitcoin-collateralized loans to earn yield, complete KYB verification, set their own terms (LTV, duration, margin call thresholds), and access a global marketplace of BTC-backed borrowers with full on-chain transparency and over-collateralized loan protections.
• Lending Infrastructure as a Service White-label lending infrastructure enabling fintech partners to offer Bitcoin-backed loans to their own customers with plug-and-play yield capabilities for lenders and Debifi's non-custodial multisig security architecture.

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered core, minor and medium.

• BlockstreamcoreTechnology or IntegrationTechnology partner providing infrastructure integration for Bitcoin services, with Blockstream's Liquid Network and other Bitcoin layer solutions potentially integrated with Debifi's lending platform.
• AnchorWatchminorOthersPartner providing Bitcoin-related services integrated with the Debifi platform ecosystem.
• Hodling SAminorOthersPartner organization integrated with the Debifi platform ecosystem for Bitcoin services.
• FreeMadeiraminorOthersPartner integrated with the Debifi platform ecosystem for Bitcoin services.
• BerglindeminorOthersPartner integrated with the Debifi platform ecosystem for Bitcoin financial services.
• AquariusminorOthersPartner integrated with the Debifi platform ecosystem for Bitcoin services.
• Sygnum BankmediumStrategic or Co-development PartnerSwiss digital asset bank partnering with Debifi to provide institutional-grade Bitcoin-backed lending solutions. The partnership enables Sygnum Bank's clients to access Debifi's non-custodial lending infrastructure.

Scale indicators1 record

Expansion highlights5 records

Direct peers

• Ledn: Ledn is a Bitcoin-focused lending and savings platform offering BTC-backed loans and yield products to retail and institutional clients. It is the closest direct competitor to Debifi, with overlapping customer segments (HODLers, SMBs) and a similar focus on over-collateralized Bitcoin lending, though Ledn operates a more custodial model.
• Nexo: Nexo is a centralized crypto lending platform offering crypto-backed loans, yield accounts, and a crypto credit card to retail and institutional clients globally. It competes directly with Debifi on BTC-backed loan products, though Nexo's custodial architecture contrasts with Debifi's non-custodial multisig approach.
• Unchained Capital: Unchained Capital is a Bitcoin financial services company offering collaborative custody, BTC-backed loans, and treasury services for individuals, businesses, and institutions. It is highly comparable to Debifi through its multisig-collaborative custody lending model and Bitcoin-native positioning.
• SALT Lending: SALT Lending offers crypto-backed loans (originally Bitcoin-focused) with a membership-based model providing liquidity against digital asset collateral. It is a direct peer in the BTC-backed lending category, though with a more centralized, subscription-based origination process.

Broad incumbents

• Aave: Aave is the largest decentralized liquidity protocol enabling crypto-collateralized lending and borrowing across multiple assets including BTC (via wrapped BTC). It is a broad incumbent in crypto lending that competes with Debifi for BTC-collateralized loan demand but operates permissionlessly with no KYC.
• MakerDAO (Sky): MakerDAO/Sky is a decentralized lending protocol where users lock crypto collateral (including BTC) to mint the DAI stablecoin. It is a broad incumbent in crypto-collateralized lending that overlaps with Debifi's BTC-as-collateral use case, particularly for borrowers seeking stablecoin liquidity.
• Coinbase: Coinbase is the largest US-regulated crypto exchange and has offered crypto-backed borrowing products to retail and institutional clients. It is a broad incumbent that competes for the same HODLer liquidity demand, though its custodial model and broader product portfolio differentiate it from Debifi.

Emerging players

• Morpho: Morpho is a decentralized lending protocol offering optimized lending markets for crypto collateral including BTC. It is an emerging DeFi player whose peer-to-peer matching model could pressure Debifi's aggregation value proposition for institutional borrowers comfortable with on-chain execution.

Others

• Blockstream: Blockstream is a Bitcoin infrastructure company whose Liquid Network and other Bitcoin layer solutions are integrated with Debifi's lending platform. It is an adjacent infrastructure/enabling partner rather than a direct competitor, but its institutional Bitcoin finance ambitions place it in the same ecosystem.
• Sygnum Bank: Sygnum is a Swiss-regulated digital asset bank and an active partner of Debifi developing the MultiSYG Bitcoin lending service. It is not a direct competitor but a strategic institutional counterparty whose regulated banking channel could either amplify or disintermediate Debifi depending on integration depth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/debificom?s=21&t=JCBclGIvFxbc0mYtDmOTSg
• YouTubeyoutube.com/channel/UCwMPBMTxxPyYtcCn5pp0tDw
• LinkedInlinkedin.com/company/debifi

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Debifi