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.

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Duplicate Note: Same product: Coinbase Bitcoin-Backed Loans. coinbase-btc-loan has the more complete description.

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