Sygnum and Debifi Combine Bitcoin Multi-Sig Technology with Regulated Bank Lending Services – Bitcoin Switzerland News
Sygnum, a global digital asset banking group, announces its partnership with Debifi, a Bitcoin-backed non-custodial lending platform, to develop MultiSYG, an innovative Bitcoin-native multi signature lending solution. The product, set to launch in H1 2026, is the first multi-signature Bitcoin lending solution from a regulated bank. MultiSYG empowers borrowers to maintain shared control of their collateral through distributed key management rather than via a single custodian. At the same time, they also benefit from the competitive rates, flexible drawdown schedule, loan durations – and white-glove service – of a regulated bank.
MultiSYG enables Sygnum clients to draw fiat loans against their Bitcoin collateral held in a 3-out-of-5 multi-signature escrow wallet. Distributed control requires multiple private keys to authorise transactions, enabling Bitcoin holders to maintain visibility of their collateral on-chain. This is in line with the fundamental principle of „not your keys, not your coins“ that resonates strongly within the Bitcoin community.
„A Bitcoin loan should not require blind trust in a custodian,“ says Max Kei, CEO and Founder of Debifi. „MultiSYG’s 3-out-of-5 key structure means borrowers can verify their collateral on-chain, while continuing to benefit from Sygnum’s banking relationship and service. After facilitating millions in non-custodial loans, we know this is what the market has been waiting for.”
“With MultiSYG, we are bringing Bitcoin-native technology to regulated bank lending“ says Pascal Eberle, Bitcoin@Sygnum and MultiSYG initiative lead at Sygnum Bank. „Borrowers can benefit from bank-grade terms in pricing, drawdown flexibility, and loan duration, while keeping cryptographic proof of their holdings and partial control of their Bitcoin via multi-signature technology. MultiSYG combines the best of both worlds—the ability to hold your own keys while accessing regulated banking products and white-glove service.”
While other banks require full custody for Bitcoin-backed loans, MultiSYG’s distributed key management means clients retain verifiable control of their collateral throughout the loan term – a growing demand from Bitcoin investors. MultiSYG provides a cryptographic guarantee that assets are not rehypothecated, a practice common at traditional banks and other lending services providers.
This positions Sygnum as the only regulated bank globally offering Bitcoin lending that aligns with the self-sovereignty principles driving institutional Bitcoin adoption. This is a critical differentiator as more companies add Bitcoin to their balance sheets. MultiSYG will complement Sygnum’s existing Credit & Lending portfolio and will be available to all Sygnum Bank customers, irrespective of the client’s jurisdiction, upon launch in H1 2026.
