Type
- DEBIFI
- Loan (bilateral, lender-matched)
- SURGE
- Credit Line (pooled market)
Compare Surge
Credit with..
$100$1,000,000
| Factor | Debifi | Surge Credit |
|---|---|---|
| Lending | ||
| Type | Loan (bilateral, lender-matched) | Credit Line (pooled market) |
| Interest Rate | 9.5–21.5% APR (Fixed) | From 6.9% APR (Variable) / 9.9% (Fixed) |
| Origination fee | None | None |
| Duration | 1–24 months (up to 5 years) | 12 months, rollover anytime |
| Terms | Interest-only, principal at maturity. Early repayment, no penalty. | Repay any amount, anytime. No penalties. |
| Fast access to funds | ✓ Minutes | ~30 min |
| LTV flexibility | ✓ Up to 70% | 50% (expanding) |
| Globally accessible | ✓ | ✓ |
| KYC required | Varies | No |
| Bitcoin Custody | ||
| Custodian | Bitcoin (3-of-4 multisig) | Bitcoin (Taproot vault) |
| On-chain verifiable collateral | ✓ | ✓ |
| Segregated collateral | ✓ | ✓ |
| Bitcoin-native (no wrapping) | ✓ | ✓ |
| Zero rehypothecation | ✓ | ✓ |
| Unilateral exit | 3-of-4 multisig requires coordination among parties | ✓ |
Lending
Interest Rate
- DEBIFI
- 9.5–21.5% APR (Fixed)
- SURGE
- From 6.9% APR (Variable) / 9.9% (Fixed)
Origination fee
- DEBIFI
- None
- SURGE
- None
Duration
- DEBIFI
- 1–24 months (up to 5 years)
- SURGE
- 12 months, rollover anytime
Terms
- DEBIFI
- Interest-only, principal at maturity. Early repayment, no penalty.
- SURGE
- Repay any amount, anytime. No penalties.
Fast access to funds
- DEBIFI
- ✓ Minutes
- SURGE
- ~30 min
LTV flexibility
- DEBIFI
- ✓ Up to 70%
- SURGE
- 50% (expanding)
Globally accessible
- DEBIFI
- ✓
- SURGE
- ✓
KYC required
- DEBIFI
- Varies
- SURGE
- No
Bitcoin Custody
Custodian
- DEBIFI
- Bitcoin (3-of-4 multisig)
- SURGE
- Bitcoin (Taproot vault)
On-chain verifiable collateral
- DEBIFI
- ✓
- SURGE
- ✓
Segregated collateral
- DEBIFI
- ✓
- SURGE
- ✓
Bitcoin-native (no wrapping)
- DEBIFI
- ✓
- SURGE
- ✓
Zero rehypothecation
- DEBIFI
- ✓
- SURGE
- ✓
Unilateral exit
- DEBIFI
- 3-of-4 multisig requires coordination among parties
- SURGE
- ✓
Thinking about switching?
Whether you're exploring alternatives, planning a migration, or just want to understand the differences - we're happy to talk.