Coinbase向美國擴大了比特幣支持的貸款，開放即時流動性而無需觸發應稅活動

Crypto Exchange Coinbase（NASDAQ：COIN）於4月30日在社交媒體平台X上宣布，其比特幣支持的貸款服務現已在美國的符合條件的客戶（不包括紐約）的符合條件的客戶提供。

Crypto exchange Coinbase (Nasdaq: COIN) announced on Monday that its bitcoin-backed loan service is now fully available to eligible customers across the United States, excluding New York.

Crypto Exchange Coinbase（NASDAQ：COIN）週一宣布，其比特幣支持的貸款服務現已完全適用於美國的合格客戶，不包括紐約。

The company stated: "As of April 30, 2025, customers can borrow up to $1M in USDC against their bitcoin to cover any of life’s expenses without selling their bitcoin."

該公司表示：“截至2025年4月30日，客戶可以在不出售比特幣的情況下借用高達100萬美元的USDC來支付生活費用。”

Bitcoin-backed loans are available to all customers in the U.S., excluding New York. We’re also planning to expand BTC-backed loans to more countries.

美國的所有客戶都可以使用比特幣支持的貸款，不包括紐約。我們還計劃將BTC支持的貸款擴展到更多國家。

Customers can borrow up to $1M in USDC against their bitcoin to cover any of life’s expenses without selling their bitcoin. Available now to all eligible customers in the U.S., excluding New York.

客戶可以在不出售比特幣的情況下借用最多100萬美元的USDC來支付人生費用。現在可向美國的所有合格客戶提供，不包括紐約。

— Coinbase (@coinbase) April 30, 2024

- Coinbase（@coinbase）2024年4月30日

The company added that customer demand has been strong with $100 million USDC borrowed in less than 100 days. Borrowers can enjoy rates as low as 5%, which is 2x lower than other crypto-backed loan options, with no hidden fees.

該公司補充說，客戶需求量強勁，在不到100天的時間內借用了1億美元。借款人的價格低至5％，比其他加密支持的貸款選擇低2倍，而沒有隱藏的費用。

The product provides users with the opportunity to access liquidity without incurring any taxable events. Bitcoin is used as collateral to secure the loan. When a loan is initiated, the bitcoin is automatically converted to cbBTC, Coinbase's wrapped version of bitcoin, and deposited into Morpho. This process facilitates nearly instant disbursement of funds in USDC, and the repayment terms remain open-ended, with no fixed schedule.

該產品為用戶提供了在不產生任何應稅活動的情況下獲得流動性的機會。比特幣被用作保證貸款的抵押品。啟動貸款時，比特幣會自動轉換為Coinbase包裝版的比特幣，並存放在Morpho中。該過程幾乎有助於立即對USDC的資金進行，並且還款條款仍未開放，沒有固定的時間表。

Coinbase is highlighting this lending feature as part of a broader onchain financial ecosystem. The company noted the diverse use cases for borrowers.

Coinbase正在強調這一貸款功能，這是更廣泛的OnChain Financial生態系統的一部分。該公司指出了借款人的不同用例。

Whether you want to make a large purchase or cover unexpected expenses, BTC-backed loans give you instant access to the cash you need. Without having to sell your bitcoin.

無論您是要進行大型購買還是支付意外費用，BTC支持的貸款都可以立即獲得所需的現金。不必出售您的比特幣。

The exchange's dynamic interest rates are tied to the Morpho protocol's market conditions, aiming to simplify the borrowing process further.

交易所的動態利率與Morpho協議的市場狀況有關，旨在進一步簡化借貸過程。

Coinbase is currently unable to offer BTC-backed loans in New York due to regulatory constraints. The company is planning to expand availability to more countries in the future.

由於監管限制，Coinbase目前無法在紐約提供BTC支持的貸款。該公司計劃將來將可用性擴展到更多國家。

Coinbase's initiative to expand its bitcoin-backed loan service underscores the increasing demand for accessible and efficient lending solutions within the cryptocurrency domain. As the company continues to invest in decentralized financial infrastructure, it aims to provide users with greater control over their assets and expand the possibilities for onchain economic activity.

Coinbase擴大其比特幣支持的貸款服務的計劃強調了對加密貨幣領域內對可訪問和高效貸款解決方案的需求不斷增長。隨著該公司繼續投資於分散的金融基礎設施，它旨在為用戶提供對其資產的更大控制權，並擴大OnChain經濟活動的可能性。