It depends on what you need it to survive. Debifi runs multisig collateral custody, with no single point of failure recorded: no one institution's failure reaches your bitcoin on its own. Proof of Custody scores it 70/100 as of 2026-02-18. Self-managed multi-vendor multisig is a good fit for the technically serious holder who treats custody as a discipline: multiple vendors, separate entropy, documented recovery, periodic drills, and the wrong choice for anyone who has not written down what their family does on day one without them — the registry's self-custody losses are mostly operational, not cryptographic. The score is an editorial judgement; the facts to check are the custody model, the single point of failure and the incident history below.
| Custody model | Multisig Collateral Proof of Custody classification from the provider's own documents |
|---|---|
| Single point of failure | No: no single party can move or lose the holding alone Record as of 2026-02-18 |
| Who holds the keys | Not published in enough detail to state |
| Independence standard | 0 of 4 pillars met |
| Insurance | Not disclosed by the provider |
| Regulatory standing | Not published |
| Qualified custodian | Not stated |
| Incidents in the registry | None recorded. Absence from the registry is not evidence of safety. |
| Fees | Varies by lender Provider pricing page; verify before relying on it |
| Minimum | $0 |
| Proof of Custody score | 70/100 Editorial judgement on the published methodology, as of 2026-02-18 |
Facts come from the provider's own documents and public filings, with the date they were last checked. The score is Proof of Custody's judgement. Dispute a row through the corrections process.
P2P BTC-backed loans. Multisig escrow. No KYC required.
Smaller platform. P2P counterparty risk. Limited liquidity.
Custody feature data not yet available.
1 independent party or system must fail before a Debifi holder's bitcoin is at risk.
Debifi's custody insurance is not publicly disclosed.
Debifi uses a multisig collateral model and scores 70/100 in our independent review, including 85/100 on custody security. No single institution can unilaterally move funds. Safety depends on your priorities; see the full score breakdown above.
Debifi's custody insurance is not publicly disclosed in a form we can verify. Where it exists, custody insurance covers specific named events up to shared limits and does not cover price loss. Confirm coverage in writing before relying on it.
Debifi's architecture distributes control, so no single institution's failure alone can move or lose your bitcoin. Recovery depends on the specific structure; see the custody section above.
Debifi does not advertise a dedicated inheritance or beneficiary feature in the data we track. Confirm current options with the provider, since custody inheritance handling changes.