Coinbase 推出新服务，允许美国客户用其持有的比特币借入 USDC/美元

这项新产品允许用户在不出售比特币的情况下获得流动性，提供由 Morpho 支持的具有灵活还款条件和有竞争力的利率的即时贷款

Cryptocurrency exchange Coinbase (NASDAQ:COIN) has now launched a new service that allows U.S. customers (except those in New York) to borrow USDC/USD against their Bitcoin holdings.

加密货币交易所 Coinbase（纳斯达克股票代码：COIN）现已推出一项新服务，允许美国客户（纽约除外）以其持有的比特币借入 USDC/美元。

This new offering enables users to access liquidity without having to sell their Bitcoin, with instant loans, flexible repayment terms, and competitive interest rates, powered by Morpho, an open-source lending protocol on Coinbase’s Layer-2 blockchain, Base.

这项新产品使用户无需出售比特币即可获得流动性，并具有即时贷款、灵活的还款条款和有竞争力的利率，由 Coinbase 的第 2 层区块链 Base 上的开源借贷协议 Morpho 提供支持。

The loans are disbursed instantly in USDC, with flexible repayment options and competitive interest rates set dynamically by Morpho’s open market lending pool.

这些贷款立即以 USDC 支付，并具有灵活的还款选择和由 Morpho 的公开市场贷款池动态设定的具有竞争力的利率。

“Getting a Bitcoin-backed loan on Coinbase is now easier and faster than ever,” the company said. “In under a minute, you can get a loan in USDC without ever having to sell your bitcoin.”

该公司表示：“现在在 Coinbase 上获得比特币支持的贷款比以往任何时候都更容易、更快捷。” “不到一分钟，你就可以通过 USDC 获得贷款，而无需出售你的比特币。”

This development aims to bridge the gap between holding crypto assets for the future and accessing funds for immediate needs.

这一发展旨在弥合未来持有加密资产和获取资金以满足当前需求之间的差距。

When a user borrows USDC against their Bitcoin, the collateral is automatically converted to Coinbase Wrapped Bitcoin (cbBTC) on a 1:1 basis and transferred to the Morpho protocol.

当用户用比特币借入 USDC 时，抵押品会自动以 1:1 的比例转换为 Coinbase Wrapped Bitcoin (cbBTC)，并转移到 Morpho 协议。

This cbBTC, which was launched in September to allow customers to move and use their Bitcoin on-chain, remains within the Coinbase ecosystem while being used as collateral.

这个 cbBTC 于 9 月推出，允许客户在链上移动和使用他们的比特币，它仍然保留在 Coinbase 生态系统中，同时用作抵押品。

Users can borrow up to $100,000 USDC, depending on the amount of Bitcoin they pledge as collateral.

用户最多可以借入 100,000 美元的 USDC，具体取决于他们作为抵押品质押的比特币数量。

The interest rates are variable and adjusted in real-time by Morpho based on market conditions, changing dynamically with each block creation on the Base blockchain.

利率是可变的，由 Morpho 根据市场状况实时调整，并随着 Base 区块链上每个区块的创建而动态变化。

The loan terms offer users flexibility in repayment, with no fixed repayment schedule, and users can monitor their loan status via the Coinbase app.

贷款条款为用户提供了还款灵活性，没有固定的还款时间表，用户可以通过 Coinbase 应用程序监控自己的贷款状态。

Users will be liquidated if the loan amount, including accrued interest, reaches a predetermined level compared to their collateral value.

如果贷款金额（包括应计利息）与其抵押品价值相比达到预定水平，用户将被清算。

Coinbase highlights the benefits of borrowing against Bitcoin rather than selling it, including potential tax advantages in delaying capital gains or losses.

Coinbase 强调了以比特币为抵押借款而不是出售比特币的好处，包括延迟资本收益或损失的潜在税收优惠。

The launch of these Bitcoin-backed loans marks another step in Coinbase’s mission to give customers “greater control over their financial lives,” according to Coinbase.

Coinbase 表示，推出这些比特币支持的贷款标志着 Coinbase 的使命又迈出了一步，即让客户“更好地控制自己的财务生活”。

By merging the accessibility of Coinbase with the transparent, decentralized aspects of on-chain protocols, the company aims to provide “vastly improved financial services.”

通过将 Coinbase 的可访问性与链上协议的透明、去中心化方面相结合，该公司的目标是提供“大大改善的金融服务”。

Also Read: Bitcoin Consolidates Around $99K After $750 Million ETF Inflows On Wednesday

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