Coinbase Bitcoin-Backed Loans
Bitcoin Loans
Coinbase re-entered the lending market in January 2025 with onchain Bitcoin-backed USDC loans powered by the Morpho protocol on the Base blockchain. Borrowers can receive up to $1 million in USDC against BTC collateral at variable rates as low as 5–6% — roughly 2x cheaper than competing CeFi products — with no monthly payments and no repayment deadline. The product originated over $1.2 billion in USDC loans within months of its April 2025 full rollout, available to verified U.S. customers excluding New York.
Details
- Regions
- US (excl. New York)
- Loan Type
- personal loan (onchain / DeFi-powered)
- Founded Year
- 2012
- Min Loan Usd
- 100
- Max Ltv Percent
- 75
- Interest Rate Range
- 5%–8% variable (market-determined)
- Accepts Btc Collateral
- Yes
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