Coinbase (NASDAQ:COIN) has made it possible to access USDC instantly by borrowing against Bitcoin, Ethereum, and other supported assets—without selling holdings or undergoing traditional credit checks. The feature, powered by the Morpho lending protocol on Base, allows eligible users to deposit crypto as collateral and receive USDC directly into their accounts in minutes. This approach flips the traditional model in a way that consumers and businesses can access the capital they need without all the hassle they encounter with TradFi platforms.

Historically, accessing cash from appreciated crypto meant selling assets, triggering potential capital gains taxes and forfeiting future upside.

Now, holders can maintain their positions…