Coinbase запустила обеспеченные биткоином кредиты

investing.ruPublished on 2025-01-17Last updated on 2025-01-17

Представители биржи заявили, что клиенты могут получить кредиты до $100 000 в стейблкоинах USDC, используя свои биткоины на Coinbase (NASDAQ:COIN) в качестве залога. Продукт призван расширить финансовые возможности пользователей площадки в области децентрализованных финансов (DeFi).

Схема кредитования выглядит следующим образом: клиент Coinbase выбирает ончейн-кредит, залоговые средства в первой криптовалюте конвертируются в соотношении 1:1 в обернутый биткоин от биржи (cbBTC) без комиссии. Затем cbBTC передается в протокол Morpho для дальнейшей обработки, после чего клиент получает кредит в USDC на свой счет Coinbase.

По данным биржи, процентные ставки по ончейн-кредитам являются переменными и автоматически определяются Morpho на основе рыночных условий. График погашения кредита гибкий, без минимальных платежей или четко оговоренных сроков. На данный момент такие кредиты могут получить только клиенты из США, за исключением Нью-Йорка, однако в будущем Coinbase планирует выход и на другие рынки.

Ранее Coinbase опубликовала официальный ответ на жалобу компании BiT Global, связанную с основателем Tron Джастином Саном, пояснив причину делистинга «обернутого биткоина» (wBTC) с платформы.

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