Firefish Invest

    Earn solid returns while helping Bitcoiners keep their coins

    How the marketplace works

    Browse live loan offers

    Each post lists currency (EUR / CZK / USDC), tenor (3-18 months for P2P, up to 5 years for Prime), and the interest rate the borrower is willing to pay.

    Commit funds by bank transfer

    As soon as you click Invest, the borrower must lock twice the loan value in a 2-of-3 multisig escrow on-chain before your money leaves your account.

    Sit back & track

    The contract is monitored by oracles; the dashboard shows collateral ratio, accrued interest and the exact liquidation price 24/7.

    Get paid automatically

    On maturity the borrower repays you principal + interest. If they don't, their BTC is liquidated and you receive either cash or bitcoin.

    Quick-look numbers

    MetricValue
    Collateral ratio200% (Loan-to-value ≤ 50%)
    Liquidation trigger95% LTV, with optional top-ups before that
    Typical yields6 – 13% p.a. on P2P deals
    Ticket sizefrom €1,000 (individual) up to multi-million Prime mandates
    Custody modelNon-custodial 2-of-3 multisig; Firefish holds zero customer BTC

    Why seasoned lenders like it

    Hard-asset security

    Every euro you lend is backed by at least two euros' worth of bitcoin, an asset that can be sold 24/7 anywhere in the world.

    Trust-minimised design

    Funds sit in escrow; even if Firefish vanished, recovery transactions are already in the contract.

    Transparent, market-driven pricing

    Rates are set by open order-book, not by a black-box "yield" desk.

    Fiat in / fiat out

    You never handle BTC unless you choose self-liquidation; ideal for investors who simply want predictable cash flow.

    Example deal in action

    12-month EUR loan

    You fund €10,000 at 10% p.a.

    Borrower posts €20,000 worth of BTC at signing.

    Six months later BTC crashes 40%. LTV rises to 83%; borrower tops-up collateral.

    At month 12 you receive €11,000 back. If they had failed to repay, escrow would have liquidated just enough BTC to cover your €11,000, and any excess would return to the borrower.

    Getting started

    1

    Complete quick KYC and link your bank account.

    2

    Set up a Watchdog to be emailed whenever a loan matches your target rate & tenor.

    3

    Diversify across several small tickets or allocate larger sums through Firefish Prime for concierge service and automated roll-overs.

    Not investment advice. Lending involves risk, including borrower default and bitcoin price volatility. Review the Firefish docs before committing funds.