由比特币支持的贷款正式向所有合格的美国用户推出

这意味着投资者可以在不放手的情况下利用其比特币持有的价值。

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已向所有合格的美国用户（纽约除外）正式推出了比特币支持的贷款。这种发展使投资者最多可以借入100万美元，从而在不放手的情况下利用其比特币持有的价值。

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?

随着宏观经济数据继续影响市场，几位交易者希望看到加密货币市值达到3万亿美元。但是，略微下降了0.04％，在发稿时，市值为2.9.6万亿美元。市场可以跳到3万亿美元的抵抗力吗？这项贷款可以帮助交易者和市场发展吗？

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为用户提供了一种有趣的方式，可以在保持比特币完好无损的同时，以购买加密货币或处理意外费用。这是社区中许多人已经讨论一段时间的独特方法。

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.

我们中的许多人以长期的愿景坚持比特币，这使得出于短期需要出售它的想法降低了吸引力。但是，借助比特币支持的贷款，投资者可以选择灵活的条款，而无需支付任何隐藏费用。该计划的价格低至5％，几乎是其他加密支持贷款提供的一半。

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.

对于希望借贷款购买加密货币的任何人来说，这是一个有力的选择，尤其是在动荡的市场中。该过程是即时，干净且透明的，没有惊喜的费用或复杂的文书工作。

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

个人投资者最多可以借入100万美元的公司，并充分利用资产，而不会耗尽其加密货币组合。

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.

该程序由Morpho Labs在基础上提供动力，提供了一个模块化和高效的Fefi系统。该模型还开设了有趣的讨论点。例如，有些人可能想知道如果Morpho被黑客入侵会发生什么。这是一个有效的关注点，也是有关Web3中风险和创新的更广泛对话的一部分。

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，对于日常使用，这提供了一种简单，集成的方式，要求使用已经拥有的比特币购买加密货币。

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.

许多用户还想知道为什么只使用比特币。同样，这是一个有效的观点。比特币的巨大市值，相对较低的波动性和强大的机构信任使其成为理想的候选人。

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.

目前以比特币的现场价格高高为95,249.32美元，在过去24小时内的低点为92,979.64美元，这表明与AltCoins相比，它的稳定性可以是多么稳定。

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

图表1- BTC/USDT现场价格，于2025年5月1日在Tradingview上发布。

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.

正如系统证明自己的那样，可以看到以太坊或其他资产的整合。在此之前，这允许BTC持有人在不出售压力的情况下获得流动性，这是获得购买加密货币的贷款的理想方式。

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.

这种能力使投资者借用比特币支持的最多100万美元的USDC是将传统财务需求与加密灵活性融合的一个很好的例子。

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.

随着越来越多的用户选择希望贷款购买加密货币并动态管理其投资组合，因此这样的工具将成为常态，而不是新颖性。

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

随着技术的进步，我们可以期望更多的贷款选择，支持更多的资产以及更流畅的UX。