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Revolution in the crypto financial market: Coinbase launches USDC loans with 10.8% APY!
Coinbase launches onchain USDC loans with up to 10.8% APY. Access to DeFi is made easier with regional expansion.
Revolution in the crypto financial market: Coinbase launches USDC loans with 10.8% APY!
Coinbase launched an innovative feature for its users on October 10, 2025: on-chain lending of USD Coin (USDC), offering yields of up to 10.8% APY. Loud Crypto.news This new service feature is supported by Morpho on the Base platform and allows users to distribute their funds to various lending markets via smart contract wallets.
The announcement of this feature was made on September 18th. Initially, the lending offering is available in select regions, expanding access to DeFi within the Coinbase app. Users depositing USDC have their funds routed into Morpho vaults serviced by Steakhouse Financial. A key advantage is that interest begins to accrue immediately and users can withdraw their funds at any time, provided liquidity is available.
Advantages and competing offers
With this new service, Coinbase offers interest rates that are more than double that of the existing USDC Rewards program, which only offers up to 4.5% APY. The lending feature thus increases interest in cryptocurrencies and the use of USDC, which has over $73 trillion in circulation and is considered one of the most liquid stablecoins.
- Verfügbar für Nutzer in den USA (außer New York), Bermuda, Hongkong, den VAE, Neuseeland, den Philippinen, Taiwan und Südkorea.
- Größere Zugänglichkeit zu diesem Dienst wird in den kommenden Wochen erwartet.
- Morpho hat über 8 Milliarden Dollar an gesperrtem Gesamtwert, was auf eine hohe Nachfrage im Bereich des dezentralisierten Verleihens hinweist.
With these offerings, Coinbase aims to simplify access to on-chain earnings for individuals without having to rely on complex DeFi protocols. This represents another step in the expansion of their USDC-pegged services, which since 2025 have included USDC loans backed by Bitcoin, integrations with derivatives, NFTs and AI-powered payments.
The introduction of this lending feature creates an additional application for USDC, further driving the adoption of crypto financing. Coinbase is positioning itself not only as a platform for trading, but also as a central player in the emerging DeFi market.