Coinbase 现在在一分钟内提供比特币支持的 USDC 贷款

用户可以在不到一分钟的时间内在 Coinbase 上获得比特币支持的 USDC 贷款，而无需出售其 BTC。这些贷款目前将使用比特币作为抵押品，但未来计划增加更多资产。

Coinbase users can now obtain a Bitcoin-backed USDC loan in less than a minute without having to sell their BTC. Initially, the loans will be secured by BTC, but later on, other assets will be added.

Coinbase 用户现在可以在不到一分钟的时间内获得比特币支持的 USDC 贷款，而无需出售其 BTC。最初，贷款将以比特币作为担保，但后来，将添加其他资产。

Max Branzburg, Coinbase's VP of Product, stated in a statement provided to International Business Times, "Coinbase is transforming personal finance by bringing it onchain. We're bridging traditional finance with decentralized innovation, from crypto-backed loans to seamless USDC conversion."

Coinbase 产品副总裁 Max Branzburg 在向《国际商业时报》提供的一份声明中表示，“Coinbase 正在通过将个人金融带到链上来改变个人金融。我们正在将传统金融与去中心化创新结合起来，从加密货币支持的贷款到无缝的 USDC 转换。”

How It Functions

它是如何运作的

Coinbase is dedicated to giving customers more control over their finances, and this new product is a significant step in that direction. All you need to do to apply for Coinbase's Bitcoin-backed USDC loans is:

Coinbase 致力于让客户更好地控制自己的财务，而这款新产品是朝这个方向迈出的重要一步。申请 Coinbase 的比特币支持的 USDC 贷款您所需要做的就是：

Coinbase pointed out that borrowing against Bitcoin rather than selling it can postpone a tax gain or loss. Additionally, because the loans are powered by Morpho, which offers access to competitive interest rates set by the protocol's onchain open market lending pool, customers are no longer required to choose between saving money for the future and spending it now.

Coinbase 指出，以比特币为抵押借款而不是出售比特币可以推迟税收收益或损失。此外，由于贷款由 Morpho 提供支持，Morpho 提供由协议的链上公开市场贷款池设定的有竞争力的利率，因此客户不再需要在为未来存钱和现在消费之间做出选择。

Coinbase's $BTC-Backed $USDC Loans: Key Features

Coinbase 的 BTC 美元支持的 USDC 贷款：主要特点

Customers were able to move and use their Bitcoin onchain thanks to the Coinbase Wrapped Bitcoin (cbBTC) launch. Customers can now reap the advantages of cbBTC without leaving Coinbase with the new service. Other important characteristics of the loans include:

由于 Coinbase Wrapped Bitcoin (cbBTC) 的推出，客户能够在链上移动和使用他们的比特币。客户现在无需离开 Coinbase 即可享受 cbBTC 的优势，享受新服务。贷款的其他重要特征包括：

It's crucial to remember that if a loan amount, including accrued interest, hits a specific threshold in relation to the value of the collateral, liquidations will be triggered.

重要的是要记住，如果贷款金额（包括应计利息）达到与抵押品价值相关的特定阈值，就会触发清算。

Coinbase has consistently supported economic freedom and aims to provide customers with financial services that promote decentralization, openness, and access to better wealth management

Coinbase一贯支持经济自由，旨在为客户提供促进去中心化、开放和更好的财富管理的金融服务