With , you have immediate access to fiat liquidity without having to give up your Bitcoin. Debifi is an open-source, non-custodial lending platform exclusively for Bitcoin. You deposit your Bitcoin as collateral into a 3-of-4 multisig escrow: the keys are distributed among you, the lender, an authorized key holder, and Debifi. It takes 3 out of 4 signatures to move the funds - no one can access your Bitcoin unilaterally. Forget the nightmare of capital gains tax on Bitcoin sales: the loan is not a taxable event! Choose the loan term, the LTV, and receive the loan in euros, dollars, or stablecoins. Apply for your first loan here: debifi.com

Don't pretend nothing's wrong, I know you're disappointed. Disillusioned, even. The Fear and Greed Index on Monday, June 1 read 11 out of 100. Bitcoin at $63,000, Google searches near a five-year low. Record outflows from the spot ETFs. BlackRock's IBIT alone has seen over $2 billion leave since mid-May. Strategy selling bitcoin after, for four years, Saylor repeated a single message over and over: buy, never sell, sooner sell your kidneys. Then there's the talk of the big IPOs. * SpaceX is on roadshow with a valuation between $1,800 and $2,000 billion and a potential raise of up to $75 billion: above Saudi Aramco in 2019. * OpenAI is aiming for a listing in the autumn, an $852 billion valuation. * Anthropic has closed a $65 billion round, a $965 billion valuation. * Put together: about $3,600 billion, as much as the GDP of France. Goldman Sachs estimates that the 2026 IPOs will raise $160 billion. That's where the money seems to be running now. In moments like these, we need to go back to the fundamental question, the most important one: do SpaceX, OpenAI and Anthropic solve the same problems that Bitcoin solves? Mathematical scarcity in a digital world where everything is copied to infinity. A store of value without counterparties, that no one can devalue or freeze. An answer to inflationary money. The ability to stabilize electrical grids by monetizing excess energy. No. None of the three. The markets look at the next six months and chase the most exciting story of the moment. Confusing this with the value of what Bitcoin solves is the mistake that costs the most.

Keys are distributed among the borrower, the lender, DebiFi and an external authorized key holder. You need 3 keys to collude in order to liquidate the collateral, which is not easy. You can also apply for non-KYC loans btw

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With , you have immediate access to fiat liquidity without having to give up your Bitcoin. Debifi is an open-source, non-custodial lending platform exclusively for Bitcoin. You deposit your Bitcoin as collateral into a 3-of-4 multisig escrow: the keys are distributed among you, the lender, an authorized key holder, and Debifi. It takes 3 out of 4 signatures to move the funds - no one can access your Bitcoin unilaterally. Forget the nightmare of capital gains tax on Bitcoin sales: the loan is not a taxable event! Choose the loan term, the LTV, and receive the loan in euros, dollars, or stablecoins. Apply for your first loan here: debifi.com

The Clarity Act contains a grandfather clause that permanently freezes the classification of assets whose spot ETFs were listed before that date. Bitcoin qualifies: the spot ETFs were approved in January 2024. If the law passes as it is, Bitcoin will forever be a commodity under CFTC jurisdiction. The SEC will no longer be able to touch it. No future administration, no new Gary Gensler will be able to reopen the dossier. The law also resolves a decade-long war between two federal agencies. The SEC wanted everything as a security. The CFTC had considered Bitcoin a commodity since 2015. In between, exchanges, brokers and custodians operating in limbo. The Clarity Act creates new federal categories: digital commodity exchange, digital commodity dealer, digital commodity broker. Three CFTC registrations that do not exist today. Until now these entities lived on unsuitable state licenses or makeshift SEC registrations. For the banks: the rescission of SAB 121 unlocked about 115 billion dollars in custody, but it remains an administrative guidance. A new administration can overturn it tomorrow. The Clarity Act amends federal banking legislation directly. Payments, lending, custody, trading on digital assets become banking activities regulated by law, not by revocable administrative guidance. Open knots remain. The provision on conflicts of interest for government officials — read the Trump family and World Liberty Financial — is still on the table. The stablecoins open a loophole that six banking associations have already flagged in writing to the Senate: programs can be built that reward the balance but are formally activated by a minimum number of transactions. A deposit yield without the rules on deposits. For the single bitcoiner, little changes. For the institutions that were waiting for regulatory certainty before entering, everything changes.

With , you have immediate access to fiat liquidity without having to give up your Bitcoin. Debifi is an open-source, non-custodial lending platform exclusively for Bitcoin. You deposit your Bitcoin as collateral into a 3-of-4 multisig escrow: the keys are distributed among you, the lender, an authorized key holder, and Debifi. It takes 3 out of 4 signatures to move the funds - no one can access your Bitcoin unilaterally. Forget the nightmare of capital gains tax on Bitcoin sales: the loan is not a taxable event! Choose the loan term, the LTV, and receive the loan in euros, dollars, or stablecoins. Apply for your first loan here: debifi.com

The digital euro already has a precise calendar. 2027: pilot with partner banks. 2028: integration into the commercial banking system. 2029: operational for citizens. The ECB is not waiting for the law to pass: on November 28, 2025 it already opened the selection of the operational partners. The names of those who will materially manage the digital euro will be known in June, even before the European Parliament votes. The estimated costs: 1.3 billion for development, 320 million per year of operating costs, between 4 and 5.8 billion in investments required of the commercial banks to integrate the system. To replicate something that Bancomat, Satispay, Apple Pay and SEPA instant transfers already do. On the legislative path: the EU Council, which represents the national governments, already adopted its position on December 19. Twenty eurozone governments are aligned. On June 23 the European Parliament's ECON committee votes, then it goes to the plenary. Then the Trilogue. Final adoption of the Regulation: by the end of 2026, the beginning of 2027 at the latest. Considering that Council and Parliament are both in favor, the Trilogue will be short. The points of the Regulation that really matter: merchants with a POS will be required to accept it by law. The banks will be required to offer a wallet as a basic service. The holding limit will probably be 3,000 euros per citizen, a concession to the banking system to avoid bank runs in the event of a crisis. Online, every payment is visible to the provider and the data arrive at the ECB in pseudonymized form, "traceable to the user when needed." Offline, the transaction is private via NFC, but as soon as the device goes back online the data are uploaded. The point that the article documents in detail: the parameters that will decide the level of surveillance, offline limits and holding limit will not be set by the Parliament. They will be established by an unelected technocracy after the approval of the law. Once the Regulation is in force, lowering the threshold of exempted micro-enterprises, raising the holding limit, eliminating the offline mode for "anti-money-laundering needs" or introducing programmable payments will not require a new European vote.

With , you have immediate access to fiat liquidity without having to give up your Bitcoin. Debifi is an open-source, non-custodial lending platform exclusively for Bitcoin. You deposit your Bitcoin as collateral into a 3-of-4 multisig escrow: the keys are distributed among you, the lender, an authorized key holder, and Debifi. It takes 3 out of 4 signatures to move the funds - no one can access your Bitcoin unilaterally. Forget the nightmare of capital gains tax on Bitcoin sales: the loan is not a taxable event! Choose the loan term, the LTV, and receive the loan in euros, dollars, or stablecoins. Apply for your first loan here: debifi.com

BIP 110 wants to block spam on Bitcoin. Too bad the spam has already disappeared on its own. The blockchain is half-empty. Fees at multi-year lows. Bitcoin Mechanic, a developer at Ocean and the main supporter of the proposal, himself defines the network a "ghost town." Then he asks to modify the consensus rules on an emergency basis. The proposal would activate with 55% of the miners, or via UASF with no miners at all, with 6-7% of the reachable nodes signaling it. For comparison: SegWit required 95% signaling. Taproot 90%. Mechanic insists on the expiration: twelve months, then everything goes back to how it was before. But the text of the proposal admits that after activation we will in any case return to the traditional filters, because the consensus rules are not the right tool to fight spam. He himself acknowledges this in the What Bitcoin Did interview of May 26. What remains when the soft-fork expires? The precedent. The memory that, faced with a situation perceived as an emergency by a niche, it is legitimate to modify the consensus rules to prevent a minority from doing things we do not like. The game theory that Mechanic uses as the activation engine is the "whoever blinks first loses" one: the miners who do not apply the new rules work for free, so they adapt. It is a correct line of reasoning. But it demonstrates that a determined minority can modify Bitcoin's rules by leveraging the economic rationality of the miners, not the broad consensus. Anyone, tomorrow, can use the same playbook. To block the inscriptions, but also to freeze UTXOs that have ended up under OFAC sanctions, or to extend the emission schedule beyond the 21 million. On the technical front: in February a developer published a complete image inside Bitcoin with a single transaction, circumventing all the filters that BIP 110 would like to write at the consensus level. Mechanic himself admits that after twelve months the inscribers will find other routes. You pay the price of the precedent in full. The problem you wanted to solve remains intact.