By Isaac • September 24, 2026 11:09 am •
Coinbase has added fixed-rate Bitcoin-backed loans to its borrowing menu, giving eligible U.S. customers a way to know both their interest rate and repayment date before they take out the loan.
That predictability is the appeal. The catch is that “fixed” describes the borrowing terms, not the value of the Bitcoin posted as collateral—and the maturity date creates a hard deadline that borrowers cannot ignore.
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CryptoSlate reports that customers can borrow USDC against Bitcoin through Morpho Midnight on Base, with the rate and maturity fixed when the position opens. Its analysis highlights the central tradeoff: predictable interest removes one moving part, yet an unpaid loan can expose even healthy collateral once the maturity deadline arrives.
The
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