Coinbase Introduces On-Chain Loans Secured by ETH in Partnership with Morpho

Written by Ohris M. Greyoon, Blockchain & Crypto Expert

MORPHO-0.166%

DEFI-0.76%

Source: Coinmarketcap

Updated: Nov 21 2025

Coinbase and Morpho Partnership: Coinbase has launched an ETH-backed on-chain lending product in collaboration with Morpho, allowing qualified U.S. users to borrow up to $1 million USDC using ETH/WETH as collateral.
Loan Details and Conditions: The product features a 75% loan-to-value ratio and allows for liquidation if collateral value falls below an 86% threshold, enhancing the utility of ETH in decentralized finance (DeFi).
Impact on DeFi Ecosystem: This initiative is expected to increase the on-chain utility of ETH and reflects a growing trend of integrating centralized exchanges with DeFi protocols, potentially boosting institutional engagement.
Future of On-Chain Lending: Coinbase's CEO, Brian Armstrong, emphasizes the importance of composable, on-chain lending for the next wave of crypto adoption, indicating a maturation of DeFi lending infrastructure.

About the author

Ohris M. Greyoon

Ohris M. Greyoon holds a Master’s in Computer Science from MIT and has 10 years of experience in blockchain technology and cryptocurrency markets. A pioneer in decentralized finance (DeFi) analysis, he leads Intellectia’s Crypto News, offering cutting-edge insights into digital assets.

Coinbase Introduces On-Chain Loans Secured by ETH in Partnership with Morpho

About the author

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