Coinbase expands onchain loans via Morpho, allowing U.S. users to borrow up to $100,000 USDC using XRP, DOGE, ADA, or LTC.
Coinbase has expanded its onchain loans product through the DeFi protocol Morpho. Eligible U.S. customers (except in New York) can now pledge XRP, Dogecoin (DOGE), Cardano (ADA) and Litecoin (LTC) as collateral. Consequently, borrowers may get up to $100,000 in USDC instantly without having to sell their crypto holdings.
Coinbase Adds Four Popular Cryptos as Collateral
The new expansion enables token holders to unlock portfolio value without losing their positions. Furthermore, Coinbase focused on providing instant access to liquidity without having to sell assets. Therefore, the platform plays a crucial role in reinforcing the link between centralized finance and decentralized finance and gives users more flexibility and financial options in crypto markets.
Holding XRP, DOGE, ADA, or LTC?
Now you can unlock the value of your portfolio without giving up your position.
Borrow up to $100k in USDC against your tokens, instantly, without selling.
Available now in the U.S. (ex. NY). pic.twitter.com/Uozxim3t7C
— Coinbase 🛡️ (@coinbase) February 18, 2026
Users may now borrow USDC directly against XRP, DOGE, ADA or LTC. Additionally, there is no need for liquidation unless the value of collateral falls substantially. As a result of this, token holders maintain exposure to price increases with access to borrowing power. Moreover, the approach promotes responsible borrowers with secure onchain protocols.
The company said that the initiative is aimed at boosting DeFi adoption among mainstream customers in the US. Furthermore, Coinbase confirmed that it has plans to integrate even more tokens in the future. Therefore, borrowers can expect to have increasing choices for onchain loans while keeping their favorite cryptocurrencies in their possession.
Market reactions showed high interest in onchain lending products. Furthermore, Morpho’s platform enables secure DeFi borrowing without centralized custody risks. As a result, Coinbase users can bridge the CeFi and DeFi ecosystems efficiently, in addition to accessing up to $100,000 in liquidity in USDC for pledged crypto assets.
Onchain Loans Enable Flexible Crypto Borrowing
According to Coinbase, the loan program offers streamlined access to USC for various financial purposes. Moreover, the integration guarantees that token holders do not have to sell their position in order to raise funds. Therefore, the users receive liquidity and potential exposure to the market at the same time.
In addition, the platform provides borrowing terms and risk management. Furthermore, Coinbase emphasized that all transactions stay onchain through Morpho minimizing counterparty risks. As a result, the expansion is an impressive step toward integrating traditional crypto exchange services with decentralized borrowing solutions.
Industry updates mentioned that such loans on the blockchain are gaining popularity worldwide. Furthermore, this growth is indicative of higher demand for liquidity solutions without having to sell assets. Therefore, Coinbase’s program for XRP, DOGE, ADA and LTC puts the platform at the forefront of DeFi adoption in the US.
Overall, Coinbase’s updated onchain loan program enables users to borrow up to $100,000 in USDC against four major cryptocurrencies. Additionally, the service provides fast, secure and transparent transactions. As a result, users can efficiently access liquidity without relinquishing the exposure to the tokens they own, thereby improving flexibility as well as financial strategy in the crypto markets.
