Coinbase Introduces Staked Ethereum Loans, Allowing Users to Borrow Up to $1 Million

TheNewsCryptoPublicado a 2026-01-23Actualizado a 2026-01-23

Resumen

Coinbase has introduced a new staked Ethereum loan service for eligible U.S. users, enabling them to borrow up to $1 million in USDC using cbETH—a token representing their staked ETH—as collateral. This allows borrowers to retain staking rewards and maintain exposure to ETH's price movements while accessing liquidity. Loans are overcollateralized, with interest rates based on market conditions and no fixed repayment date. However, borrowers must keep the loan-to-value ratio below 86% to avoid automatic liquidation in case of sharp ETH price drops. The feature, powered by Morpho, offers long-term stakers greater flexibility without needing to unstake or sell their ETH.

Coinbase has launched a new borrowing feature which allows the eligible U.S. users to borrow upto $1 million in USDC without selling or unstaking their ETH. The users can use the new product, cbETH, which is Coinbase’s token that represents the staked ETH as collateral to borrow USDC. This makes users continue earning staking rewards and maintain exposure to ETH’s price movement.

How Coinbase’s cbETH Borrowing Works

The users who hold the cbETH can deposit it as collateral on the coinbase and can borrow USDC against it. The borrowed USDC can be converted into U.S. dollars directly inside Coinbase. Depending on the collateral, the loans can go upto $1 million. The Loans are Overcollateralized which means the users must deposit more value than they borrow, with the interest changing based on the market conditions. Borrowers can repay part or the full amount of the loan at any time without a fixed repayment date. This lending system is powered by Morpho, an on-chain lending protocol.

Coinbase warns users to keep their loan-to-value below 86%. If the ETH price falls sharply, then the automatic liquidations will happen, and the borrowers should face the penalties. Because ETH is more volatile, borrowers must carefully manage the risks.

Staking ETH usually locks the funds for a long period. By allowing the cbETH to be used as collateral, users can keep their Ether exposure and access liquidity without selling during market downturns. This makes the staked Ether more flexible and useful for the long-term holders.

This launch shows how the crypto platforms are evolving beyond simple buying and selling. Tokenized staking products like cbETH are becoming more popular as investors are looking for ways to avoid locking their capital while still earning yield.

Highlighted Crypto News:

Capital One to Acquire Brex in $5.15B Deal, Expanding Fintech Push

Preguntas relacionadas

QWhat is the maximum amount users can borrow through Coinbase's new staked Ethereum loan feature?

AUsers can borrow up to $1 million in USDC.

QWhat cryptocurrency must users stake as collateral to access these loans?

AUsers must stake cbETH, which is Coinbase's token that represents staked ETH, as collateral.

QWhat is the main advantage for users who borrow against their staked ETH instead of selling it?

AUsers can continue earning staking rewards and maintain exposure to ETH's price movement while accessing liquidity.

QWhat on-chain lending protocol powers Coinbase's new borrowing system?

AThe lending system is powered by Morpho, an on-chain lending protocol.

QWhat critical risk warning does Coinbase give to borrowers regarding their loan-to-value ratio?

ACoinbase warns users to keep their loan-to-value below 86% to avoid automatic liquidations and penalties if the ETH price falls sharply.

Lecturas Relacionadas

In the Age of Artificial Intelligence, We Need 'Magicians,' Not 'Managers'

In the AI era, leadership must shift from management to magic. As knowledge rapidly expires, value shifts from what leaders know to what they can facilitate. Traditional "inside-out" management, driven by internal experience, is giving way to "outside-in" thinking focused on external opportunities, customer needs, and disruptive change. The core challenge is fostering new ideas that may invalidate existing knowledge. While technologies like steam, electricity, and AI provide the "skeleton" for innovation, it is human vision—connecting technology to customer dreams—that creates magic. Historical figures like Richard Arkwright and Eldridge R. Johnson succeeded not by inventing core technologies, but by reimagining work and business models from the outside in. Leaders must transition from controllers to "architects of flourishing." Their role is to design environments where empowerment, creativity, and adaptive learning thrive. This involves granting autonomy, fostering partnerships, and building resilient systems that scale innovation. Critical leadership qualities now include judgment, creativity, and the ability to learn continuously rather than relying on static expertise. Therefore, cultivating future leaders requires a focus on timeless fundamentals, humanities for broader perspective, and social acuity, rather than over-specialization in quickly outdated technical skills. The future rewards those who respond to the unseen and create conditions for better answers to emerge. Leadership in the AI age is less about having all the answers and more about enabling others to discover them—creating organizations where people explore, imagine, and thrive.

marsbitHace 21 min(s)

In the Age of Artificial Intelligence, We Need 'Magicians,' Not 'Managers'

marsbitHace 21 min(s)

The End of This Bull Market's 'Greatest Myth': 'AI Stock God' Leopold Crushed in Weeks, Citadel Takes Over $16 Billion in Stock Assets

The once-celebrated "AI stock god," 24-year-old Leopold Aschenbrenner, has seen his hedge fund's spectacular rise end in a dramatic collapse. His fund, Situational Awareness (SA), built a narrative around explosive AI infrastructure demand, raising $45 billion and achieving a 439% return in H1 2026 by heavily leveraging (4x) concentrated long positions in stocks like SK Hynix and CoreWeave, while shorting legacy software firms. In July 2026, a sharp reversal hit AI stocks, triggering massive losses in both long and short positions. Facing margin calls from banks, SA was forced to sell its entire $16 billion public market portfolio in a 36-hour fire sale. Citadel acquired the assets at a significant discount, one of Wall Street's largest emergency stock trades. SA's assets under management plummeted from a $45 billion peak to roughly $10 billion, retained entirely in private holdings like a stake in Anthropic. The episode underscores that being right on a macro trend does not guarantee survival, highlighting the critical risks of extreme concentration and high leverage without a sufficient buffer against market shifts.

marsbitHace 36 min(s)

The End of This Bull Market's 'Greatest Myth': 'AI Stock God' Leopold Crushed in Weeks, Citadel Takes Over $16 Billion in Stock Assets

marsbitHace 36 min(s)

Platform Token Surges 15-Fold in Half a Month, Pons Tops Both Token Issuance and Trading on Robinhood Chain

The article details the rapid rise of Pons as the leading token launch and trading platform on Robinhood Chain. Following NOXA's halt of new token issuance, several platforms vied for the resulting traffic. By mid-July, Pons surged ahead, achieving the highest daily token creation volume (over 15,000 tokens on July 15th) and soon after capturing the largest daily trading volume ($40.7M on July 18th), consistently maintaining both top positions. Pons's key advantage is its streamlined, single-transaction process that deploys a token's contract and its Uniswap V3 liquidity pool simultaneously, eliminating the need for bonding curves or subsequent DEX migrations. This simplicity caters to the demand for fast, low-cost launches on Robinhood Chain. The platform's native token, PONS, played a pivotal role in its growth, experiencing a price surge of over 15x from mid-July. A tokenomics model that uses 80% of protocol fees to buy back and burn PONS has contributed to its value and heightened platform visibility. Looking ahead, Pons V2 aims to expand beyond meme tokens by integrating support for paying transaction fees with assets like USDG or RWA tokens, aligning with Robinhood Chain's focus on on-chain finance and real-world assets.

marsbitHace 1 hora(s)

Platform Token Surges 15-Fold in Half a Month, Pons Tops Both Token Issuance and Trading on Robinhood Chain

marsbitHace 1 hora(s)

Apple's Q3 Results Largely Meet Expectations, Supply and Memory Pressure Drive After-Hours Drop of 6%

Apple's Q3 (FY2026) earnings largely met expectations, but weak guidance and rising costs drove the stock down 6.3% after hours. Revenue of $109.42B slightly beat estimates, and EPS of $2.02 was boosted by a $0.11 tariff refund. Core EPS was $1.91, aligning with forecasts. iPhone and Mac sales were strong, but iPad and Services revenue fell short. Greater China growth slowed. The outlook for the next quarter is concerning. Apple guided for 9-11% revenue growth, below the ~12% consensus, citing significant supply constraints for iPhones, Macs, and iPads due to advanced chip shortages. Gross margin guidance of 47-48% includes a 1-point tariff benefit, implying a core margin of 46-47%, down from 48.1% this quarter. Management highlighted rising memory costs as a major pressure point. While Apple's AI initiatives like Siri are progressing, monetization remains early. With the stock near all-time highs, the combination of in-line results, segment weaknesses, and a cautious outlook triggered significant profit-taking. The focus has shifted from resilient demand to supply chain execution and cost management.

marsbitHace 1 hora(s)

Apple's Q3 Results Largely Meet Expectations, Supply and Memory Pressure Drive After-Hours Drop of 6%

marsbitHace 1 hora(s)

Platform Token Soars 15x in Half a Month, Pons Tops Robinhood Chain Charts for Both Token Launches and Trading

In just half a month, the Pons platform token (PONS) surged over 15x in value as Pons solidified its position as the leading token launch and trading platform on Robinhood Chain, capturing both the highest daily token creation volume and transaction volume. Following the exit of previous leader NOXA, competition initially favored Flap before Pons emerged dominant around mid-July. By July 26th, Pons accounted for 77.1% of total trading volume across all Robinhood Chain launchpads. Pons's success is attributed to its streamlined, one-transaction process for deploying a token contract and its corresponding Uniswap V3 liquidity pool simultaneously, eliminating the need for bonding curves or complex migrations. This simplicity, combined with low creation costs and immediate tradability, attracted significant creation activity and speculative trading. The meteoric rise of its native token, PONS, further fueled platform growth. A tokenomics model directing 80% of protocol fees to buy back and burn PONS created a reinforcing cycle: platform usage boosted PONS value, which in turn attracted more users. Looking ahead, Pons V2 aims to expand beyond meme tokens by integrating support for paying fees in stablecoins (USDG) and RWA assets, aligning with Robinhood Chain's broader focus on on-chain finance and stock tokens.

Odaily星球日报Hace 1 hora(s)

Trading

Spot