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The Swiss standard for Bitcoin-backed lending

A non-custodial, Swiss-grade peer-to-peer marketplace for Bitcoin-backed loans. Borrowers unlock liquidity without selling their BTC and lenders earn yield secured by over-collateralised Bitcoin — without either side surrendering custody of their keys. Collateral lives in a 2-of-3 multi-signature escrow enforced by code, never in a company wallet, and is never reused or rehypothecated.

What I owned

  • Designed and built the 2-of-3 multi-signature escrow on PSBTs — collateral is locked between borrower, lender and protocol, so no single party (including the platform) can move funds unilaterally.
  • Implemented BIP32/44 HD key derivation and signing flows for deterministic, per-loan escrow addresses.
  • Built automated, price-triggered liquidations wired to real-time LTV monitoring, so under-collateralised positions unwind by protocol rule rather than manual intervention.
  • Delivered the end-to-end lending marketplace — offer/request matching, loan lifecycle, and the borrower & lender dashboards — under a Swiss VQF-regulated framework.
  • Custody Non-custodial · 2-of-3 multisig
  • Jurisdiction Swiss-based · Crypto Valley, Zug
  • Regulation VQF member (#101306)
  • Collateral Over-collateralised · rehypothecation-free
BTCBacked marketing site showing the borrower dashboard on desktop and mobile
btcbacked.com — the marketing site & product dashboard
BORROWER Keeps custody · signs PSBTs LENDER Funds the loan · earns yield 2-OF-3 MULTISIG ESCROW Borrower · Lender · Protocol keys PSBT · BIP32/44 HD derivation PRICE ORACLE BTC / USD feed LTV MONITOR Real-time · per loan LIQUIDATION By protocol rule loan capital BTC collateral repay → release monitors LTV breach collateral → lender
How the non-custodial 2-of-3 multisig escrow works
▶ WALKTHROUGH

Loom walkthrough of a live borrow → escrow → repay flow. Record it and drop the embed URL into caseStudies.ts.

Product walkthrough (Loom)
BTC Backed key visual
Key visual