Coinbase 推出比特币支持的贷款服务以扩大加密货币借贷市场

Coinbase 推出了比特币支持的贷款服务，允许美国客户使用比特币作为抵押品借入最多 10 万美元的 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.

加密货币交易所 Coinbase 推出了一项新的比特币支持贷款服务，允许美国客户使用比特币作为抵押品借入最多 10 万美元的 USDC（一种与美元挂钩的稳定币）。

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.

该服务由 Coinbase Base 网络上的 Morpho DeFi 协议提供支持，使用户能够在不出售比特币和缴纳资本利得税的情况下获得流动性。

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

要使用该服务，用户将其比特币转换为打包版本 cbBTC，然后将其用作贷款的抵押品。

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.

该贷款提供灵活的还款条件和具有竞争力的利率，如果比特币的价值大幅下跌，则会自动清算。除纽约外，美国大多数州都提供此服务。

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

Coinbase 旨在将去中心化金融 (DeFi) 与用户友好的平台相结合，以增强加密货币借贷服务。

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

此次推出是在 2023 年进行的一次尝试之后进行的，但由于监管挑战而被叫停。

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.

通过将 DeFi 与其现有基础设施相结合，Coinbase 希望在不断增长的加密借贷市场中占据重要份额，预计到 2030 年将达到 450 亿美元。

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.

这项服务是 Coinbase 更广泛战略的一部分，旨在通过提供更灵活的金融产品来挖掘区块链和 DeFi 的潜力，从而重塑个人金融。