Coinbase的USDC贷款：收率高达10.8％？这是低点

Coinbase用新的Onchain USDC贷款功能引起了波浪，提供高达10.8％的产品。值得炒作吗？让我们潜水。

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正在摇动一切，为用户提供了通过新的OnChain Lengend功能，有机会获得USDC持有量高达10.8％的收益率。就像他们说的那样，“嘿，您可以在没有所有的麻烦的情况下获得那些fefi的回报。”

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

Coinbase的Defi Play：什么是嗡嗡声？

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.

主要收获？ Coinbase正在弥合日常用户与分散金融世界（DEFI）之间的差距。现在，用户可以直接通过Coinbase借出其USDC，而不是导航复杂的DEFI协议，而收益率明显高于标准USDC奖励计划。这项新功能利用了管理流动性的Defi Lending协议Morpho和牛排馆金融。所有这些都在Coinbase的第2层区块链上运行。可以将其视为训练轮的防御。

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更容易访问。用户可以存入USDC并立即开始赚取收益，并在可用的流动性时灵活提取资金。它的设计为用户友好，优先考虑平稳的体验，同时牢固地集成Defi功能。这是与旧的USDC奖励计划的重大转变，该计划直接由Coinbase资助。该新功能积极参与DEFI协议以生成实时收率。

Global Expansion (Except for You, New York)

全球扩展（您除外，纽约）

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.

该功能在美国推出（不包括纽约 - 对不起，伙计们！），百慕大和精选国际市场，例如香港，阿联酋，新西兰，菲律宾，台湾和韩国。这一举动与Coinbase扩大全球稳定公用事业并推动主流采用OnChain服务的更广泛的战略相吻合。

CoinLaw's Take: Is It Worth It?

Coinlaw的看法：值得吗？

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很聪明。大多数用户想要这些多汁的产量，但不想直接处理Defi的头痛。通过处理幕后的复杂性，Coinbase正在使更广泛的受众访问Defi Level的回报。使用底座也是一个精明的举动，在以太坊2级别下注并为更多真实的稳定应用程序铺平了道路。如果您持有USDC并需要更多的基本奖励，那么可能值得退房。只需记住这些风险，例如智能合同漏洞和流动性短缺。

Final Thoughts

最后的想法

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进入OnChain USDC贷款是一个大胆的举动，有可能使稳定的贷款归一化。这全都是将Defi带到大众，一次是一个用户友好的界面。谁知道？也许有一天，每个人的USDC都会赚取10.8％。在此之前，请密切关注这个空间 - 它变得越来越有趣！