Coinbase Bitcoin-Backed Loans
Bitcoin Loans
Coinbase launched Bitcoin-backed loans in January 2025, allowing US users to borrow up to $100,000 in USDC using BTC as collateral — no credit check required. Powered by the on-chain Morpho protocol, rates start as low as 5% APR with no monthly payments or repayment deadlines. Coinbase surpassed $1 billion in loan originations by September 2025.
Details
- Max Ltv
- Up to 50%
- Max Loan
- $100,000
- Min Loan
- $100
- Apr Range
- From 5%
- Loan Type
- Line of Credit
- Launch Date
- 2025-01
- Custody Model
- On-chain via Morpho
- Supported Countries
- USA (excl. NY)
Links
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