Debifi

Bilateral Bitcoin-backed loan

Lender-matched bilateral loans with 3-of-4 multisig Bitcoin custody. Offer-dependent rates and longer terms.

Best for: Borrowers who want non-custodial multisig structure and flexible offer terms.

Product and eligibility

Product type

Bilateral loan (lender-matched)

Collateral

Native BTC

Eligible borrowers

Varies; KYC may vary by lender

US availability

Globally accessible; terms depend on the offer

Custody model

Non-custodial / P2P

Multisig escrow; no single company holds keys alone

Rehypothecation

Impossible by design

PoR / audits / insurance

On-chain 3-of-4 multisig

Track record

P2P / institutional offer marketplace

Notice, grace period, partial vs full sale, and fees all differ by provider.

1. Starting LTV

70%

2. Margin call

75% / 80% / 85% LTV alert ladder (then liquidation path)

3. Cure window

Until liquidation threshold (typically 90%); optional delayed liquidation 12–48h if lender enables

4. Liquidation

90%

At 70% starting LTV, Bitcoin must fall about 22.2% for LTV to reach 90%.

Rate range	Offer-dependent fixed APR (marketplace; compare snapshots often high single digits to low 20s)
Origination fee	1.5% (≤$300k), 1.2% ($300k–$1M), 1.0% (>$1M) plus duration add-ons for multi-year (official FAQ); card loans differ
Prepayment fee	Early repay no penalty claimed
Renewal / refinance	Offer dependent
Minimum loan	Marketing from about $20,000; some materials cite lower marketplace floors offers
Term options	1–24 months (up to longer on some offers)
Liquidation fee	5% of outstanding debt at liquidation (FAQ)
Collateral retrieval	Per offer rules
US availability	Globally accessible; terms depend on the offer
Unique features	3-of-4 multisig; long-term offers; marketplace rates

Borrowers who want non-custodial multisig structure and flexible offer terms.

You need a single published rate card or simple consumer app UX.