Coinbase向美国扩大了比特币支持的贷款，开放即时流动性而无需触发应税活动

Crypto Exchange Coinbase（NASDAQ：COIN）于4月30日在社交媒体平台X上宣布，其比特币支持的贷款服务现已在美国的符合条件的客户（不包括纽约）的符合条件的客户提供。

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）周一宣布，其比特币支持的贷款服务现已完全适用于美国的合格客户，不包括纽约。

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."

该公司表示：“截至2025年4月30日，客户可以在不出售比特币的情况下借用高达100万美元的USDC来支付生活费用。”

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.

美国的所有客户都可以使用比特币支持的贷款，不包括纽约。我们还计划将BTC支持的贷款扩展到更多国家。

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.

客户可以在不出售比特币的情况下借用最多100万美元的USDC来支付人生费用。现在可向美国的所有合格客户提供，不包括纽约。

— 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.

该公司补充说，客户需求量强劲，在不到100天的时间内借用了1亿美元。借款人的价格低至5％，比其他加密支持的贷款选择低2倍，而没有隐藏的费用。

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.

该产品为用户提供了在不产生任何应税活动的情况下获得流动性的机会。比特币被用作保证贷款的抵押品。启动贷款时，比特币会自动转换为Coinbase包装版的比特币，并存放在Morpho中。该过程几乎有助于立即对USDC的资金进行，并且还款条款仍未开放，没有固定的时间表。

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

Coinbase正在强调这一贷款功能，这是更广泛的OnChain Financial生态系统的一部分。该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.

无论您是要进行大型购买还是支付意外费用，BTC支持的贷款都可以立即获得所需的现金。不必出售您的比特币。

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

交易所的动态利率与Morpho协议的市场状况有关，旨在进一步简化借贷过程。

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.

由于监管限制，Coinbase目前无法在纽约提供BTC支持的贷款。该公司计划将来将可用性扩展到更多国家。

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扩大其比特币支持的贷款服务的计划强调了对加密货币领域内对可访问和高效贷款解决方案的需求不断增长。随着该公司继续投资于分散的金融基础设施，它旨在为用户提供对其资产的更大控制权，并扩大OnChain经济活动的可能性。