TLDR: Sygnum Bank and Debifi’s MultiSYG platform will let borrowers keep control of their BTC while securing loans. MultiSYG uses a five-party wallet requiring three approvals to move Bitcoin collateral, ensuring transparency. The platform targets institutional and high-net-worth users seeking safer, bank-grade crypto lending. MultiSYG launches in early 2026, blending regulated finance with verifiable onchain [...] The post Debifi and Sygnum Are Letting Bitcoin Holders Borrow Without Losing Control appeared first on Blockonomi.TLDR: Sygnum Bank and Debifi’s MultiSYG platform will let borrowers keep control of their BTC while securing loans. MultiSYG uses a five-party wallet requiring three approvals to move Bitcoin collateral, ensuring transparency. The platform targets institutional and high-net-worth users seeking safer, bank-grade crypto lending. MultiSYG launches in early 2026, blending regulated finance with verifiable onchain [...] The post Debifi and Sygnum Are Letting Bitcoin Holders Borrow Without Losing Control appeared first on Blockonomi.

Debifi and Sygnum Are Letting Bitcoin Holders Borrow Without Losing Control

TLDR:

  • Sygnum Bank and Debifi’s MultiSYG platform will let borrowers keep control of their BTC while securing loans.
  • MultiSYG uses a five-party wallet requiring three approvals to move Bitcoin collateral, ensuring transparency.
  • The platform targets institutional and high-net-worth users seeking safer, bank-grade crypto lending.
  • MultiSYG launches in early 2026, blending regulated finance with verifiable onchain Bitcoin control.

A new partnership is setting the stage for a different kind of Bitcoin lending. Swiss digital asset bank Sygnum Bank and fintech firm Debifi are developing MultiSYG, a Bitcoin-backed loan platform expected to launch in the first half of 2026. 

The project aims to give borrowers full control of their BTC while securing access to regulated, bank-grade loans. It’s being designed for institutional investors and high-net-worth individuals seeking transparency and safety in crypto lending.

Crypto analyst @CryptosR_Us highlighted the development on X, calling it “a new era of Bitcoin banking.” The idea is simple but powerful: users can borrow against their BTC without surrendering their keys to a custodian.

Bitcoin-Backed Loans Without Losing Custody

According to a report, Sygnum and Debifi plan to eliminate one of crypto lending’s biggest risks, loss of asset control. Traditional Bitcoin-backed loans often require full custody by the lender, meaning the borrower’s assets remain locked until repayment.

With MultiSYG, that changes. The system uses a multi-signature wallet shared among Sygnum, the borrower, and independent signers. Any movement of collateral requires three out of five approvals, allowing borrowers to keep verifiable, onchain control of their BTC.

Debifi CEO Max Kei said the model addresses a long-standing concern: trust in custodians. He explained that borrowers shouldn’t have to “trust blindly” when securing loans. This setup makes it harder for lenders to reuse collateral or engage in rehypothecation, a practice that contributed to failures in firms like BlockFi and Celsius.

Sygnum’s initiative lead Pascal Eberle described the model as combining “the best of both worlds,” regulated banking services and cryptographic proof of funds. Borrowers will have flexible terms, transparent drawdowns, and continued visibility into their holdings throughout the loan.

Institutional Demand for Safer Crypto Finance

The move comes as institutional investors look for secure ways to leverage digital assets. Traditional lenders left a gap in the market after the collapse of centralized crypto platforms in previous cycles. That vacuum opened space for regulated banks like Sygnum to introduce compliant, transparent lending structures.

Debifi’s involvement signals a shift in how crypto lending platforms are being built. By focusing on user control and blockchain verification, the partnership bridges the gap between traditional finance and decentralized ownership.

Sygnum, which already operates under Swiss banking regulations, aims to make MultiSYG a model for risk-managed crypto lending. The launch, set for early 2026, could mark a step toward bank-grade adoption of Bitcoin-backed financial products.

The post Debifi and Sygnum Are Letting Bitcoin Holders Borrow Without Losing Control appeared first on Blockonomi.

Market Opportunity
Lorenzo Protocol Logo
Lorenzo Protocol Price(BANK)
$0.03667
$0.03667$0.03667
+1.91%
USD
Lorenzo Protocol (BANK) Live Price Chart
Disclaimer: The articles reposted on this site are sourced from public platforms and are provided for informational purposes only. They do not necessarily reflect the views of MEXC. All rights remain with the original authors. If you believe any content infringes on third-party rights, please contact service@support.mexc.com for removal. MEXC makes no guarantees regarding the accuracy, completeness, or timeliness of the content and is not responsible for any actions taken based on the information provided. The content does not constitute financial, legal, or other professional advice, nor should it be considered a recommendation or endorsement by MEXC.

You May Also Like

Building a DEXScreener Clone: A Step-by-Step Guide

Building a DEXScreener Clone: A Step-by-Step Guide

DEX Screener is used by crypto traders who need access to on-chain data like trading volumes, liquidity, and token prices. This information allows them to analyze trends, monitor new listings, and make informed investment decisions. In this tutorial, I will build a DEXScreener clone from scratch, covering everything from the initial design to a functional app. We will use Streamlit, a Python framework for building full-stack apps.
Share
Hackernoon2025/09/18 15:05
Which DOGE? Musk's Cryptic Post Explodes Confusion

Which DOGE? Musk's Cryptic Post Explodes Confusion

A viral chart documenting a sharp decline in U.S. federal employment during President Trump's second term has sparked unexpected confusion in cryptocurrency markets
Share
Coinstats2025/12/20 01:13
Google's AP2 protocol has been released. Does encrypted AI still have a chance?

Google's AP2 protocol has been released. Does encrypted AI still have a chance?

Following the MCP and A2A protocols, the AI Agent market has seen another blockbuster arrival: the Agent Payments Protocol (AP2), developed by Google. This will clearly further enhance AI Agents' autonomous multi-tasking capabilities, but the unfortunate reality is that it has little to do with web3AI. Let's take a closer look: What problem does AP2 solve? Simply put, the MCP protocol is like a universal hook, enabling AI agents to connect to various external tools and data sources; A2A is a team collaboration communication protocol that allows multiple AI agents to cooperate with each other to complete complex tasks; AP2 completes the last piece of the puzzle - payment capability. In other words, MCP opens up connectivity, A2A promotes collaboration efficiency, and AP2 achieves value exchange. The arrival of AP2 truly injects "soul" into the autonomous collaboration and task execution of Multi-Agents. Imagine AI Agents connecting Qunar, Meituan, and Didi to complete the booking of flights, hotels, and car rentals, but then getting stuck at the point of "self-payment." What's the point of all that multitasking? So, remember this: AP2 is an extension of MCP+A2A, solving the last mile problem of AI Agent automated execution. What are the technical highlights of AP2? The core innovation of AP2 is the Mandates mechanism, which is divided into real-time authorization mode and delegated authorization mode. Real-time authorization is easy to understand. The AI Agent finds the product and shows it to you. The operation can only be performed after the user signs. Delegated authorization requires the user to set rules in advance, such as only buying the iPhone 17 when the price drops to 5,000. The AI Agent monitors the trigger conditions and executes automatically. The implementation logic is cryptographically signed using Verifiable Credentials (VCs). Users can set complex commission conditions, including price ranges, time limits, and payment method priorities, forming a tamper-proof digital contract. Once signed, the AI Agent executes according to the conditions, with VCs ensuring auditability and security at every step. Of particular note is the "A2A x402" extension, a technical component developed by Google specifically for crypto payments, developed in collaboration with Coinbase and the Ethereum Foundation. This extension enables AI Agents to seamlessly process stablecoins, ETH, and other blockchain assets, supporting native payment scenarios within the Web3 ecosystem. What kind of imagination space can AP2 bring? After analyzing the technical principles, do you think that's it? Yes, in fact, the AP2 is boring when it is disassembled alone. Its real charm lies in connecting and opening up the "MCP+A2A+AP2" technology stack, completely opening up the complete link of AI Agent's autonomous analysis+execution+payment. From now on, AI Agents can open up many application scenarios. For example, AI Agents for stock investment and financial management can help us monitor the market 24/7 and conduct independent transactions. Enterprise procurement AI Agents can automatically replenish and renew without human intervention. AP2's complementary payment capabilities will further expand the penetration of the Agent-to-Agent economy into more scenarios. Google obviously understands that after the technical framework is established, the ecological implementation must be relied upon, so it has brought in more than 60 partners to develop it, almost covering the entire payment and business ecosystem. Interestingly, it also involves major Crypto players such as Ethereum, Coinbase, MetaMask, and Sui. Combined with the current trend of currency and stock integration, the imagination space has been doubled. Is web3 AI really dead? Not entirely. Google's AP2 looks complete, but it only achieves technical compatibility with Crypto payments. It can only be regarded as an extension of the traditional authorization framework and belongs to the category of automated execution. There is a "paradigm" difference between it and the autonomous asset management pursued by pure Crypto native solutions. The Crypto-native solutions under exploration are taking the "decentralized custody + on-chain verification" route, including AI Agent autonomous asset management, AI Agent autonomous transactions (DeFAI), AI Agent digital identity and on-chain reputation system (ERC-8004...), AI Agent on-chain governance DAO framework, AI Agent NPC and digital avatars, and many other interesting and fun directions. Ultimately, once users get used to AI Agent payments in traditional fields, their acceptance of AI Agents autonomously owning digital assets will also increase. And for those scenarios that AP2 cannot reach, such as anonymous transactions, censorship-resistant payments, and decentralized asset management, there will always be a time for crypto-native solutions to show their strength? The two are more likely to be complementary rather than competitive, but to be honest, the key technological advancements behind AI Agents currently all come from web2AI, and web3AI still needs to keep up the good work!
Share
PANews2025/09/18 07:00