由比特幣支持的貸款正式向所有合格的美國用戶推出

這意味著投資者可以在不放手的情況下利用其比特幣持有的價值。

Coinbase has officially launched Bitcoin-backed loans to all eligible U.S. users (except New York). This development allows investors to borrow up to $1M USDC, tapping into the value of their Bitcoin holdings without letting go of them.

Coinbase已向所有合格的美國用戶（紐約除外）正式推出了比特幣支持的貸款。這種發展使投資者最多可以藉入100萬美元，從而在不放手的情況下利用其比特幣持有的價值。

As macroeconomic data continues to influence the markets, several traders are hoping to see the crypto market cap hit $3 trillion. However, there’s been a slight drop of 0.04%, setting the market cap at $2.96 trillion at press time. Can the market jump this $3 trillion resistance? Can this loan offer help traders and market development?

隨著宏觀經濟數據繼續影響市場，幾位交易者希望看到加密貨幣市值達到3萬億美元。但是，略微下降了0.04％，在發稿時，市值為2.9.6萬億美元。市場可以跳到3萬億美元的抵抗力嗎？這項貸款可以幫助交易者和市場發展嗎？

Coinbase is offering an interesting way for users to get a loan to buy crypto or handle unexpected expenses, all while keeping their Bitcoin intact. This is a unique approach that many in the community have been discussing for a while now.

Coinbase為用戶提供了一種有趣的方式，可以在保持比特幣完好無損的同時，以購買加密貨幣或處理意外費用。這是社區中許多人已經討論一段時間的獨特方法。

Many of us hold onto Bitcoin with a long-term vision, making the idea of selling it for short-term needs less appealing. However, with Bitcoin-backed loans, investors can choose flexible terms and pay no hidden fees. The program offers rates as low as 5%, nearly half of what other crypto-backed loans offer.

我們中的許多人以長期的願景堅持比特幣，這使得出於短期需要出售它的想法降低了吸引力。但是，借助比特幣支持的貸款，投資者可以選擇靈活的條款，而無需支付任何隱藏費用。該計劃的價格低至5％，幾乎是其他加密支持貸款提供的一半。

This makes it a powerful option for anyone looking to borrow a loan to buy crypto, especially in a volatile market. The process is instant, clean, and transparent, with no surprise fees or complex paperwork.

對於希望藉貸款購買加密貨幣的任何人來說，這是一個有力的選擇，尤其是在動蕩的市場中。該過程是即時，乾淨且透明的，沒有驚喜的費用或複雜的文書工作。

Individual investors can borrow up to $1M USDC and make the most of the assets without draining their crypto portfolio.

個人投資者最多可以藉入100萬美元的公司，並充分利用資產，而不會耗盡其加密貨幣組合。

The program, powered by Morpho Labs on Base, provides a modular and efficient DeFi system. This model also opens up interesting discussion points. For instance, some might wonder what happens if Morpho gets hacked. It’s a valid concern and part of the broader conversation about risk and innovation in Web3.

該程序由Morpho Labs在基礎上提供動力，提供了一個模塊化和高效的Fefi系統。該模型還開設了有趣的討論點。例如，有些人可能想知道如果Morpho被黑客入侵會發生什麼。這是一個有效的關注點，也是有關Web3中風險和創新的更廣泛對話的一部分。

However, for everyday use, this offers an easy, integrated way to ask for loans to buy crypto using Bitcoin that is already owned.

但是，對於日常使用，這提供了一種簡單，集成的方式，要求使用已經擁有的比特幣購買加密貨幣。

A lot of users are also wondering why only Bitcoin is used. Again, it’s a valid point. Bitcoin’s large market cap, relatively lower volatility, and strong institutional trust make it an ideal candidate.

許多用戶還想知道為什麼只使用比特幣。同樣，這是一個有效的觀點。比特幣的巨大市值，相對較低的波動性和強大的機構信任使其成為理想的候選人。

Its price, currently at a Bitcoin live price high of $95,249.32 and low of $92,979.64 in the past 24 hours, shows just how stable it can be compared to altcoins.

目前以比特幣的現場價格高高為95,249.32美元，在過去24小時內的低點為92,979.64美元，這表明與AltCoins相比，它的穩定性可以是多麼穩定。

Chart 1- BTC/USDT Live Price, published on TradingView, May 1, 2025.

圖表1- BTC/USDT現場價格，於2025年5月1日在Tradingview上發布。

As the system proves itself, it’s possible to see Ethereum or other assets integrated. Until then, this allows BTC holders to access liquidity without pressure to sell, which is the perfect way to acquire a loan to buy crypto.

正如係統證明自己的那樣，可以看到以太坊或其他資產的整合。在此之前，這允許BTC持有人在不出售壓力的情況下獲得流動性，這是獲得購買加密貨幣的貸款的理想方式。

This capability to let investors borrow up to $1M USDC backed by Bitcoin is a great example of blending traditional finance needs with crypto flexibility.

這種能力使投資者藉用比特幣支持的最多100萬美元的USDC是將傳統財務需求與加密靈活性融合的一個很好的例子。

With more users choosing to want loans to buy crypto and manage their portfolios dynamically, tools like this are going to become the norm, not a novelty.

隨著越來越多的用戶選擇希望貸款購買加密貨幣並動態管理其投資組合，因此這樣的工具將成為常態，而不是新穎性。

As technology advances, we can expect more lending options, more assets supported, and smoother UX.

隨著技術的進步，我們可以期望更多的貸款選擇，支持更多的資產以及更流暢的UX。