Coinbase 推出比特幣支援的貸款服務以擴大加密貨幣借貸市場

Coinbase 推出了比特幣支援的貸款服務，讓美國客戶可以使用比特幣作為抵押品借入最多 10 萬美元的 USDC。

Cryptocurrency exchange Coinbase has launched a new Bitcoin-backed loan service, allowing U.S. customers to borrow up to $100,000 in USDC, a dollar-pegged stablecoin, by using Bitcoin as collateral.

加密貨幣交易所 Coinbase 推出了一項新的比特幣支援貸款服務，允許美國客戶使用比特幣作為抵押品借入最多 10 萬美元的 USDC（一種與美元掛鉤的穩定幣）。

This service is powered by the Morpho DeFi protocol on Coinbase's Base network, enabling users to access liquidity without selling their Bitcoin and incurring capital gains taxes.

該服務由 Coinbase Base 網路上的 Morpho DeFi 協議提供支持，使用戶能夠在不出售比特幣和繳納資本利得稅的情況下獲得流動性。

To use the service, users convert their Bitcoin into a wrapped version, cbBTC, which is then used as collateral for the loan.

要使用該服務，用戶將其比特幣轉換為打包版本 cbBTC，然後將其用作貸款的抵押品。

The loan offers flexible repayment terms and competitive interest rates, with automatic liquidation if Bitcoin's value drops significantly. This service is available in most U.S. states, excluding New York.

該貸款提供靈活的還款條件和具有競爭力的利率，如果比特幣的價值大幅下跌，則會自動清算。除紐約外，美國大多數州都提供此服務。

Coinbase aims to integrate decentralized finance (DeFi) with a user-friendly platform to enhance crypto lending services.

Coinbase 旨在將去中心化金融 (DeFi) 與用戶友好的平台相結合，以增強加密貨幣借貸服務。

This launch follows a previous attempt in 2023, which was halted due to regulatory challenges.

此次推出是在 2023 年進行的一次嘗試之後進行的，但由於監管挑戰而被叫停。

By combining DeFi with its existing infrastructure, Coinbase hopes to capture a significant share of the growing crypto lending market, projected to reach $45 billion by 2030.

透過將 DeFi 與其現有基礎設施相結合，Coinbase 希望在不斷增長的加密借貸市場中佔據重要份額，預計到 2030 年將達到 450 億美元。

This service is part of Coinbase's broader strategy to reshape personal finance by offering more flexible financial products that tap into the potential of blockchain and DeFi.

這項服務是 Coinbase 更廣泛策略的一部分，旨在透過提供更靈活的金融產品來挖掘區塊鏈和 DeFi 的潛力，從而重塑個人金融。