1. The Current State of BlockFi (February 2026)
As of early 2026, BlockFi is in the final stages of its wind-down process. Following a massive settlement with the FTX estate, BlockFi has been working toward a goal of 100% recovery for eligible creditors based on the dollar value of their claims at the time of the bankruptcy filing.
- Platform Status: The original BlockFi web and mobile apps are essentially "read-only" or decommissioned for traditional trading.
- Primary Access Point: Most interactions now happen through the Kroll Restructuring Portal or specific distribution partners like Coinbase (for in-kind crypto) or Digital Disbursements (for cash).
2. Ranking the Best Ways to Access Your Funds
Rank 1: The Kroll Restructuring Portal (Most Reliable)
The official Kroll portal is the "source of truth" for your claim. You should use this to check your EPOC ID, confirm your claim amount, and ensure your contact details are current.
- Why it’s #1: It is the court-sanctioned method for tracking bankruptcy progress.
- Action: Visit the Kroll BlockFi Case Website to view the latest court dockets and distribution schedules.
Rank 2: Coinbase Integration (For Crypto Distributions)
For many "Wallet" and "BIA" (BlockFi Interest Account) holders, the estate partnered with Coinbase to facilitate in-kind distributions.
- The Process: If you missed the initial withdrawal windows, your assets may have been moved to a Coinbase account associated with your BlockFi email.
- Security Tip: Never give your BlockFi login to someone claiming to be "Coinbase Support."
Rank 3: Digital Disbursements (For Cash/Fiat)
If you opted for a cash payout or your crypto was liquidated into USD, the funds are typically handled via Digital Disbursements.
- Expectation: You will receive an email from
@digitaldisbursements.comor@kroll.comwith instructions on how to select your payment method (Zelle, PayPal, or Direct Deposit).
3. Step-by-Step: How to Log In Safely
If you are attempting to log into the BlockFi Web App to download historical tax documents or check a balance:
- Direct URL: Always type
blockfi.comdirectly into your browser. Do not click links from "Warning" emails or social media ads. - Two-Factor Authentication (2FA): If you still have access to your original 2FA (Google Authenticator or SMS), you will likely need it to get past the initial landing page.
- Identity Verification (KYC): Be prepared for Persona or similar ID verification. Many 2026 distributions are held up by expired KYC. You may need to upload a fresh photo of your Passport or Driver’s License.
4. Important Deadlines and Milestones
The bankruptcy estate has set strict "cutoff" dates for identity verification.
- Identity Deadline: Historically, deadlines like May 15, 2025, were set to secure distributions. If you are checking in February 2026, you must act immediately to see if your funds have been moved to an "Unclaimed" state or escheated to the state.
- Tax Documents: 1099-B and 1099-MISC forms are generally available within the portal for the years 2023–2025.
5. Security Red Flags (Avoid These Scams)
Because "BlockFi Login" is a high-volume search term, scammers have created sophisticated phishing sites.
Warning: BlockFi will never ask for your seed phrase, private keys, or a "gas fee" to release your distribution. Any site asking you to "Connect your Wallet" (like MetaMask) to claim your BlockFi refund is a scam.
| Feature | Official BlockFi/Kroll | Scams |
|---|---|---|
| Email Source | @blockfi.com, @kroll.com | @gmail.com, @outlook.com, @refund-blockfi.org |
| Action Required | ID Verification (KYC) | "Enter Seed Phrase" |
| Fees | Deducted from balance | "Pay 0.1 ETH to unlock" |
6. Troubleshooting Common Access Issues
- "Account Locked": This often happens after three failed password attempts. You must contact Kroll support directly via their toll-free number (888-773-0375).
- "Missing EPOC ID": Search your email for "BlockFi Restructuring" or "Notice of Standard Electronic Proof of Claim." This ID is unique to you and required for most claim lookups.
- Address Changes: If you have moved since 2022, you must submit a Change of Address form through the Kroll portal to ensure physical checks or tax forms reach you.
Final Thoughts
Accessing your BlockFi account in 2026 is no longer about "trading" and all about "retrieval." By sticking to the official Kroll and Coinbase channels, you can safely navigate the final stages of this liquidation.