Debifi
Bitcoin Only
Non-custodial Bitcoin-backed lending platform using multisig escrow so borrowers can access fiat or stablecoin liquidity without selling BTC.
Interest Rates
RateRate not published
Rate notes
Offer-specific; set by lender
Origination Fee1.5%
Loan Details
Minimum Loan$20,000
Maximum LoanOffer-specific
Example Loan Calculation
Based on a $50,000 loan at 8% APR over 24 months
$2,261
Monthly Payment
$54,273
Total Payment
$4,273
Total Interest
Illustrative estimate only. Actual rates, fees, payment schedules, and payoff amounts may vary.
Frequently Asked Questions About Debifi
Debifi: Rate not published. Actual rates depend on loan-to-value ratio, loan amount, and term length.
The minimum loan amount at Debifi is $20,000. This allows both small and large borrowers to access Bitcoin-backed lending.
Debifi has a risk score of 7.4/10 based on our analysis of custody practices, regulatory compliance, and operational history. Always conduct your own research before depositing Bitcoin as collateral.
Debifi's LTV ratios vary based on loan terms and market conditions. Contact them for current LTV options and understand the liquidation risks involved.
Debifi offers flexible loan terms. Contact them to discuss term options that fit your repayment timeline and financial goals.
About this analysis
21Rates Editorial TeamBitcoin Financial Research Analysts
Our research team analyzes Bitcoin lending platforms using proprietary risk scoring, rate comparison data, and user reviews. We independently verify lender terms and maintain up-to-date information to help you make informed borrowing decisions.
Last verified: Oct 23, 2026