Coinbase Rolls Out Bitcoin Loans Across US

With the ability to borrow up to $1 million in USDC instantly, this rollout offers a powerful new option. It gives Bitcoin holders fast access to funds without selling their crypto. 

The Bitcoin loans feature has quickly gained traction. Over $100 million in USDC has already been borrowed in less than 100 days.

Low-Cost Bitcoin Loans, Built for Everyday Users

Backed by MorphoLabs and powered by Base, this new lending option offers low rates starting at just 5%. This is about half the cost of similar crypto-backed loans. It also adds zero hidden fees and a seamless user experience. The basic idea is simple: lock your Bitcoin as collateral and borrow USDC, a widely used dollar-pegged stablecoin, without having to sell your BTC. This means users can keep their upside exposure while accessing funds for everyday needs, investing, or larger purchases.

What sets this launch apart is how accessible and affordable it is. Traditionally, crypto-backed lending platforms came with high rates, complex interfaces, and long wait times. Coinbase’s new feature cuts through all that, delivering an experience that’s closer to what mainstream consumers expect. Instant, intuitive, and transparent. For comparison, many centralized platforms offer crypto-backed loans at rates of 10–12%. At 5%, Coinbase’s offering is a game-changer.

More About Bitcoin

Bitwise CIO Matt Hougan says the traditional four-year Bitcoin cycle may be a thing of the past. In a recent statement, Hougan shared his belief that this cycle will last “much longer” than usual, pointing to the maturing nature of the crypto market and increasing involvement from institutional investors.

Unlike previous boom-and-bust patterns driven largely by retail speculation and Bitcoin halving events, Hougan argues that today’s market is shaped more by long-term adoption trends, regulatory clarity, and growing interest from large asset managers.

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