Coinbase的USDC貸款：收率高達10.8％？這是低點

Coinbase用新的Onchain USDC貸款功能引起了波浪，提供高達10.8％的產品。值得炒作嗎？讓我們潛水。

Coinbase is shaking things up, offering users a chance to earn up to 10.8% yield on their USDC holdings through a new onchain lending feature. It's like they're saying, "Hey, you can get those DeFi returns without all the DeFi hassle."

Coinbase正在搖動一切，為用戶提供了通過新的OnChain Lengend功能，有機會獲得USDC持有量高達10.8％的收益率。就像他們說的那樣，“嘿，您可以在沒有所有的麻煩的情況下獲得那些fefi的回報。”

Coinbase's DeFi Play: What's the Buzz?

Coinbase的Defi Play：什麼是嗡嗡聲？

The main takeaway? Coinbase is bridging the gap between everyday users and the world of decentralized finance (DeFi). Instead of navigating complex DeFi protocols, users can now lend their USDC directly through Coinbase, earning significantly higher yields than the standard USDC Rewards program. This new feature leverages Morpho, a DeFi lending protocol, and Steakhouse Financial, which manages liquidity. It all operates on Base, Coinbase's Layer 2 blockchain. Think of it as DeFi with training wheels.

主要收穫？ Coinbase正在彌合日常用戶與分散金融世界（DEFI）之間的差距。現在，用戶可以直接通過Coinbase借出其USDC，而不是導航複雜的DEFI協議，而收益率明顯高於標準USDC獎勵計劃。這項新功能利用了管理流動性的Defi Lending協議Morpho和牛排館金融。所有這些都在Coinbase的第2層區塊鏈上運行。可以將其視為訓練輪的防禦。

How Does It Work?

它如何工作？

Coinbase is making DeFi more accessible. Users can deposit USDC and start earning yield instantly, with the flexibility to withdraw funds whenever liquidity is available. It's designed to be user-friendly, prioritizing a smooth experience while integrating DeFi features securely. This is a significant shift from the old USDC Rewards program, which was funded directly by Coinbase. This new feature actively participates in DeFi protocols to generate real-time yield.

Coinbase使Defi更容易訪問。用戶可以存入USDC並立即開始賺取收益，並在可用的流動性時靈活提取資金。它的設計為用戶友好，優先考慮平穩的體驗，同時牢固地集成Defi功能。這是與舊的USDC獎勵計劃的重大轉變，該計劃直接由Coinbase資助。該新功能積極參與DEFI協議以生成實時收率。

Global Expansion (Except for You, New York)

全球擴展（您除外，紐約）

The feature is rolling out in the U.S. (excluding New York – sorry, folks!), Bermuda, and select international markets like Hong Kong, the UAE, New Zealand, the Philippines, Taiwan, and South Korea. This move aligns with Coinbase’s broader strategy of expanding global stablecoin utility and driving mainstream adoption of onchain services.

該功能在美國推出（不包括紐約 - 對不起，伙計們！），百慕大和精選國際市場，例如香港，阿聯酋，新西蘭，菲律賓，台灣和韓國。這一舉動與Coinbase擴大全球穩定公用事業並推動主流採用OnChain服務的更廣泛的戰略相吻合。

CoinLaw's Take: Is It Worth It?

Coinlaw的看法：值得嗎？

Coinbase is smart. Most users want those juicy yields but don't want the headache of dealing with DeFi directly. By handling the complexities behind the scenes, Coinbase is making DeFi-level returns accessible to a wider audience. Using Base is also a savvy move, doubling down on their Ethereum Layer 2 bet and paving the way for more real-world stablecoin applications. If you're holding USDC and want more than the basic rewards, it might be worth checking out. Just remember those risks, like smart contract vulnerabilities and liquidity shortages.

Coinbase很聰明。大多數用戶想要這些多汁的產量，但不想直接處理Defi的頭痛。通過處理幕後的複雜性，Coinbase正在使更廣泛的受眾訪問Defi Level的回報。使用底座也是一個精明的舉動，在以太坊2級別下注並為更多真實的穩定應用程序鋪平了道路。如果您持有USDC並需要更多的基本獎勵，那麼可能值得退房。只需記住這些風險，例如智能合同漏洞和流動性短缺。

Final Thoughts

最後的想法

Coinbase's foray into onchain USDC lending is a bold move, potentially normalizing stablecoin lending for income. It's all about bringing DeFi to the masses, one user-friendly interface at a time. Who knows? Maybe one day, everyone will be earning 10.8% on their USDC. Until then, keep an eye on this space – it's getting interesting!

Coinbase進入OnChain USDC貸款是一個大膽的舉動，有可能使穩定的貸款歸一化。這全都是將Defi帶到大眾，一次是一個用戶友好的界面。誰知道？也許有一天，每個人的USDC都會賺取10.8％。在此之前，請密切關注這個空間 - 它變得越來越有趣！