Coinbase 推出新的借贷解决方案，允许用户以比特币作为抵押品借入 USDC

该计划是与 Morpho 合作的结果，Morpho 是一种去中心化金融协议，在称为 Base 的区块链层上处理交易。

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 推出了新的借贷解决方案，允许美国用户使用比特币作为抵押品获得最多 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.

该计划是与 Morpho 合作的结果，Morpho 是一种去中心化金融协议，在称为 Base 的区块链层上处理交易。

Bitcoin-backed loans are here.

比特币支持的贷款就在这里。

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.

以比特币为抵押借入 USDC，但无需出售。从现在开始向美国用户（例如纽约）推出。更多抵押资产和地区即将到来。由@MorphoLabs 提供支持并基于@Base 构建。

The future of finance is onchain.

金融的未来是链上的。

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.

该提案旨在确保运营更加敏捷和透明。通过阻止比特币作为抵押品，该资产被转换为名为 cbBTC 的兼容版本，从而实现链上交易。几分钟后，USDC 金额就会释放到用户的账户中，为那些想要在无需销毁加密货币的情况下获取资金的人带来便利。

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.

担保结构的特点是要求金额至少为所要求金额的 133%。如果存入的金额大幅​​下降并达到贷款价值的 86%，资产将自动清算以偿还债务，包括可能的额外费用。

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 设定，可以根据市场动态波动，并根据 Base 网络中创建的每个新区块进行调整。付款灵活性也值得注意，因为只要借款人将抵押品水平保持在既定限额之上，就没有固定的时间表或强制分期付款。

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 曾提供比特币支持的借贷服务，但该服务于 2023 年关闭。现在恢复时更加关注 DeFi，强化了该平台致力于以简化的方式提供使用区块链技术的金融解决方案的承诺。公众。

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，该服务仅限于美国大部分地区（纽约除外）。除了扩大接受作为抵押品的加密资产的选择之外，该公司还计划在其他地区提供该服务。 Coinbase 的基础设施和 Morpho 协议的结合旨在将加密货币生态系统与灵活、透明的借贷流程连接起来。

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

截至发稿时，比特币价格报99,500.36美元，过去24小时上涨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.

该倡议的负责人认为，这种方法将促进用户与 DeFi 产品的更多互动，而不需要深入的技术知识。通过维持 Coinbase 生态系统内的经验，预计会有更多投资者看到使用比特币作为抵押品以获得即时流动性的优势。