Onramp vs Debifi

Onramp (dedicated custody) and Debifi (yield and lending) serve different corners of the Bitcoin ecosystem, but the question that matters most is the same: who controls the keys? Onramp scores 90/100 (A) versus 71/100 (B-) for Debifi. The 19-point spread is meaningful — it usually comes down to custody architecture and fee structure.

Where Each Platform Wins

Custody and security — the most heavily weighted category in our methodology at 35% — tilts 14 points toward Onramp (94 vs. 80). On fees, Onramp wins by 22 points. Onramp charges $250/mo compared to Varies by lender at Debifi. Over a multi-year holding period, fee differences compound — a point worth considering for long-term accumulators. Onramp's strongest advantage is in support (92 vs. 65), where Onramp's customer support infrastructure and response times makes a measurable difference. Debifi stands out on features (75 vs. 88), reflecting Debifi's product breadth and tooling.

The Custody Question

Both Onramp and Debifi have addressed the single-point-of-failure problem — neither relies on a single custodian or a single set of keys. That puts both platforms ahead of the majority of the industry. The difference comes down to implementation: Onramp uses Multi-Institution Custody, while Debifi uses Multisig Collateral.

Bottom Line

Onramp is the clear choice here, outscoring Debifi by 19 points across our six-category methodology. Keep in mind these platforms target different audiences — Onramp is built for institutions & hnw, while Debifi serves self-sovereign borrowers. One thing to watch with Debifi: smaller platform. p2p counterparty risk. limited liquidity.. The data speaks for itself — but always verify our methodology and do your own due diligence before moving bitcoin to any platform.