I haven't used Debifi myself yet (but following it with interest). I take loans from another provider in USDt and then convert that USDt to fiat by a little bit of a roundabout way (but one that nets me a an additional 4%). Loans against BTC collateral is a very promising area for development (and with more competition will come better options and lower rates). That's because BTC is the best form of collateral.

What are you using?

Don't play with taxes. That gives govt legit reason to prosecute you...

If you need any further information about Firefish.io, you may contact me at marco_at_firefish_dot_io Happy to help. Thanks!