Why We Recommend
Built on open protocols. Your bitcoin is held 1:1 in segregated custody — always yours.
Services & Features
Buy/sell bitcoinLightning paymentsDirect deposit to BTCBitcoin loans (9.5-13% APR)
Lending
Bitcoin-backed loans and lending platforms that let you borrow against your BTC without selling.
Why We Recommend
2-of-3 multisig: you hold 2 keys, they hold 1. They cannot move your bitcoin without you. 100,000+ BTC secured. $1B+ loans with zero losses.
Services & Features
Collaborative custody vaultsBusiness loans (14%+ APR, 40% max LTV)Bitcoin IRAsInheritance planningTrading desk (buy/sell to vault)Pre-funded cash balance+5 more
Why We Recommend
Your collateral stays in a 3-of-4 multisig—Debifi cannot move your bitcoin without you. Zero rehypothecation: your BTC is never lent out or used as someone else's collateral. Verify your collateral on-chain anytime. Backed by Ten31, Fulgur Ventures & Plan B Fund.
Services & Features
Loans $10K-$1M+10-14% APR3-of-4 multisig escrowFiat & stablecoin loans (USD, EUR, CHF, USDT, USDC)Up to 24-month termsNo rehypothecation
Why We Recommend
Founded 2016. Pioneered non-custodial P2P trading. 2-of-3 multisig escrow. No fiat gatekeepers.
Services & Features
Crypto-to-crypto loans (USDT, USDC, L-BTC, WBTC)2-of-3 multisig escrowNo KYC requiredYou set the termsEscrow extraction tool
Why We Recommend
Founded by Matthew Black. Building Bitcoin-native lending rails. Focus on transparent, verifiable collateral.
Services & Features
Bitcoin-backed loansInstitutional lendingTransparent collateral managementBitcoin-native infrastructure
Why We Recommend
Founded 2018. $1B+ in loans originated. SOC 2 Type II certified. Backed by Coinbase Ventures, Kingsway Capital, and others.
Services & Features
Bitcoin-backed loans (up to 50% LTV)USDC savings accountsBTC savings accountsNo credit checksFlexible repayment
Lending Comparison
| Feature | Debifi | Hodl Hodl | Strike | Unchained | Ledn |
|---|---|---|---|---|---|
| APR | 10–14% | You set terms | 9.5–13% | ~14%+ | Varies |
| Max LTV | ~60% | You set terms | 50% | 40% | 50% |
| Who can borrow | Individuals & institutions | Anyone (P2P) | Individuals & businesses | Businesses only | Individuals & institutions |
| Minimum loan | $10K | No minimum | $10K | $150K | No minimum |
| Loan currency | Fiat & stablecoins | Crypto only | USD | USD | USD & stablecoins |
| Custody model | 3-of-4 multisig | 2-of-3 multisig | Segregated custody | 2-of-3 multisig | Custodial |
| Rehypothecation | None | None | None | None | Possible |
| KYC required | Depends on lender | No | Yes | Yes | Yes |
| Track record | Live since 2024 | Since 2020 | Launched May 2025 | 9 yrs, $1B+ originated | Since 2018, $1B+ originated |
Stay informed
Weekly bitcoin analysis and product recommendations.
Email provider integration coming soon.