Coinbase 推出新的借貸解決方案，讓用戶以比特幣作為抵押品借入 USDC

該計劃是與 Morpho 合作的結果，Morpho 是一種去中心化金融協議，在稱為 Base 的區塊鏈層上處理交易。

Coinbase has launched a new lending solution, allowing users in the United States to obtain up to $100 in USDC by using Bitcoin as collateral.

Coinbase 推出了新的借貸解決方案，讓美國用戶可以使用比特幣作為抵押品獲得最多 100 美元的 USDC。

The initiative comes as a result of a partnership with Morpho, a decentralized finance protocol that processes transactions on a blockchain layer known as Base.

該計劃是與 Morpho 合作的結果，Morpho 是一種去中心化金融協議，在稱為 Base 的區塊鏈層上處理交易。

Bitcoin-backed loans are here.

比特幣支持的貸款就在這裡。

Borrow USDC against bitcoin, without selling it. Rolling out to US users (ex. NY) starting now. More collateral assets and regions to come. Powered by @MorphoLabs and built on @Base.

以比特幣為抵押借入 USDC，但無需出售。從現在開始向美國用戶（例如紐約）推出。更多抵押資產和地區即將到來。由@MorphoLabs 提供支援並基於@Base 建置。

The future of finance is onchain.

金融的未來是鏈上的。

Learn more:… pic.twitter.com/PoLdWLz6aV

了解更多：… pic.twitter.com/PoLdWLz6aV

— Coinbase 🛡️ (@coinbase) January 16, 2025

— Coinbase 🛡️ (@coinbase) 2025 年 1 月 16 日

The proposal seeks to ensure greater agility and transparency in operations. By blocking Bitcoin as collateral, the asset is converted into a compatible version called cbBTC, enabling on-chain trading. In a few moments, the amount in USDC is released into the user's account, bringing convenience to those who want to access funds without having to get rid of their cryptocurrencies.

該提案旨在確保營運更加敏捷和透明。透過阻止比特幣作為抵押品，該資產被轉換為名為 cbBTC 的兼容版本，從而實現鏈上交易。幾分鐘後，USDC 金額就會釋放到用戶的帳戶中，為那些想要在無需銷毀加密貨幣的情況下獲取資金的人帶來便利。

The guarantee structure is marked by a requirement of at least 133% of the amount requested. If the amount deposited drops significantly and reaches 86% of the loan value, the assets are automatically liquidated to pay off the debt, including possible additional charges.

擔保結構的特徵是要求金額至少為所要求金額的 133%。如果存入的金額大幅下降並達到貸款價值的 86%，資產將自動清算以償還債務，包括可能的額外費用。

Interest rates are set by Morpho and can fluctuate according to market dynamics, adjusting to each new block created in the Base network. Payment flexibility is also noteworthy, as there are no fixed schedules or mandatory installments, as long as the borrower maintains the level of collateral above the established limit.

利率由 Morpho 設定，可根據市場動態波動，並根據 Base 網路中創建的每個新區塊進行調整。付款彈性也值得注意，因為只要藉款人將抵押品水準保持在既定限額之上，就沒有固定的時間表或強制分期付款。

Previously, Coinbase had offered a Bitcoin-backed lending service, but the service was shut down in 2023. The resumption now takes place with a greater focus on DeFi, reinforcing the platform's commitment to offering financial solutions that use blockchain technology in a simplified way for the public.

此前，Coinbase 曾提供比特幣支援的借貸服務，但該服務於 2023 年關閉。公眾。

Initially, the service is restricted to most of the United States, with the exception of New York. The company plans to make the service available in other regions, in addition to expanding the options for crypto assets accepted as collateral. The combination of Coinbase's infrastructure and Morpho's protocol aims to connect the cryptocurrency ecosystem to agile and transparent lending processes.

最初，該服務僅限於美國大部分地區（紐約除外）。除了擴大接受作為抵押品的加密資產的選擇之外，該公司還計劃在其他地區提供該服務。 Coinbase 的基礎設施和 Morpho 協議的結合旨在將加密貨幣生態系統與敏捷、透明的借貸流程連接起來。

At the time of publication, the price of Bitcoin was quoted at US$99,500.36, up 0.5% in the last 24 hours.

截至發稿時，比特幣價格報99,500.36美元，過去24小時上漲0.5%。

Those responsible for the initiative believe that this approach will promote greater user interaction with DeFi products, without requiring in-depth technical knowledge. By maintaining the experience within the Coinbase ecosystem, there is the expectation that more investors will see the advantages of using Bitcoin as collateral to obtain immediate liquidity.

該倡議的負責人認為，這種方法將促進用戶與 DeFi 產品的更多互動，而不需要深入的技術知識。透過維持 Coinbase 生態系統內的經驗，預計會有更多投資者看到使用比特幣作為抵押品以獲得即時流動性的優勢。