TLDR
- Shared custody BTC loans offer capital access without full asset surrender.
- Sygnum brings regulated banking to non-custodial Bitcoin lending.
- Track BTC collateral on-chain with MultiSYG’s transparent structure.
- Debifi enables secure loans with cryptographic proof and no rehypothecation.
- MultiSYG redefines institutional crypto lending with security and control.
Swiss digital asset bank Sygnum and Bitcoin lending startup Debifi have partnered to introduce MultiSYG, a bank-grade lending platform. The platform, launching in the first half of 2026, enables shared-control Bitcoin loans without full asset surrender. MultiSYG will primarily serve institutions and high-net-worth clients seeking secure access to capital with blockchain transparency.
MultiSYG to Offer Shared Custody Structure for BTC Loans
MultiSYG allows borrowers to maintain partial control over their Bitcoin collateral using a five-party multi-signature wallet. This system requires three of five signatures—Sygnum, the borrower, and independent signers—for any transaction to occur. Borrowers can prevent unauthorized access and monitor collateral on-chain throughout the loan term.
The structure mitigates the risks associated with traditional rehypothecation, where custodians reuse collateral for other transactions. Unlike earlier failed crypto lenders, MultiSYG promotes transparency and security at a regulated banking level. The platform aims to eliminate the single-point-of-failure issues seen in centralized lending models.
By enabling cryptographic proof of holdings, MultiSYG combines operational flexibility with asset security. Borrowers will retain visibility and limited control while benefiting from regulated loan terms. This approach directly addresses concerns from the digital asset community around custody risks.
Sygnum Brings Banking-Grade Infrastructure to Crypto Lending
Sygnum, a regulated Swiss digital asset bank, contributes institutional-grade infrastructure and oversight to the MultiSYG initiative. The bank will act as one of the five signers in the wallet setup, ensuring security and compliance. This model blends traditional banking standards with blockchain-based transparency.
With MultiSYG, Sygnum extends its product suite by offering services that meet growing demand for non-custodial lending structures. The platform delivers pricing flexibility, long-term loan options, and transparency. This innovation positions Sygnum as a forward-looking player in regulated digital finance.
MultiSYG’s model lets borrowers meet capital needs without fully giving up control of their BTC. They can access liquidity while maintaining partial access and security over their assets. This solution reshapes how institutional actors approach Bitcoin-backed lending.
Debifi Delivers Non-Custodial Lending Architecture via MultiSYG
Debifi, a Bitcoin lending startup, designed the non-custodial framework that powers MultiSYG’s shared-control mechanism. This design ensures that asset movement requires borrower involvement and prevents rehypothecation. By incorporating independent signers, Debifi enhances transaction trust and neutrality.
The firm addresses demand for loan platforms that don’t require blind trust in custodians or intermediaries. With MultiSYG, borrowers gain access to capital with proof-of-funds and verifiable wallet activity. This structure significantly lowers the risk profile compared to past centralized lending options.
Debifi’s architecture for MultiSYG reflects a shift toward decentralized custody without sacrificing access to formal banking tools. It enables high-net-worth users to retain control while navigating regulated finance. MultiSYG represents a strategic advancement in the evolving digital asset lending market.
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