&lt;p&gt;DWF Labs has announced the launch of a substantial $75 million fund aimed specifically at accelerating the &amp;lsquo;institutional phase&amp;rsquo; of DeFi. Unveiled on November 26, 2025, this fund represents a clear strategic bet on the future of decentralized financial infrastructure and the burgeoning demand from institutional investors who are now venturing deeper into blockchain-based finance.&lt;/p&gt;
&lt;p&gt;&lt;img src=&quot;https://ds7uldi88krbs.cloudfront.net/posts/post_692958bb3a63e.jpg&quot; alt=&quot;DWF Labs Launches $75 Million Fund to Accelerate the Institutional Phase of DeFi&quot; width=&quot;533&quot; height=&quot;300&quot;&gt;&lt;/p&gt;
&lt;p&gt;Image Source: &lt;a href=&quot;https://x.com/DWFLabs/status/1993730583826993319&quot; target=&quot;_blank&quot; rel=&quot;noopener&quot;&gt;DWF Labs&lt;/a&gt;&lt;/p&gt;
&lt;h1&gt;Institutional-Grade Infrastructure&lt;/h1&gt;
&lt;p&gt;DWF Labs&amp;rsquo; $75 million allocation targets projects that focus on foundational pillars of DeFi with strong institutional appeal. These core areas include dark-pool perpetual decentralized exchanges (DEXs), decentralized money markets, and fixed-income or yield-bearing asset protocols. By concentrating on these segments, the fund aims to surmount traditional hurdles of liquidity fragmentation, trade execution transparency, and sustainable yield generation that have hitherto constrained institutional participation. According to Andrei Grachev, Managing Partner at DWF Labs, &amp;ldquo;DeFi is entering its institutional phase. We&amp;rsquo;re witnessing a significant demand for infrastructure capable of managing large volumes, protecting order flow, and producing sustainable yields&amp;rdquo;.&lt;/p&gt;
&lt;h1&gt;Multi-Chain Engagement&lt;/h1&gt;
&lt;p&gt;The fund will deploy capital across several of DeFi&amp;rsquo;s most prominent blockchain ecosystems: Ethereum, BNB Chain, Solana, and Coinbase&amp;rsquo;s Ethereum layer-2 network, Base. This multi-chain approach ensures broad access to liquidity and innovation hubs, reinforcing the fund&amp;rsquo;s agility and reach. Beyond capital injections, DWF Labs commits to an active role by providing hands-on support in liquidity provisioning, execution strategies, go-to-market initiatives, and integration with partnered exchanges and institutional players spanning both centralized and decentralized domains. DWF Labs&amp;rsquo; existing experience as a liquidity provider across 60+ exchanges globally further amplifies this advantage by delivering tight bid-ask spreads essential for large trade execution in blue-chip as well as emerging tokens.&lt;/p&gt;
&lt;h1&gt;Addressing Institutional Pain Points&lt;/h1&gt;
&lt;p&gt;Institutional-grade DeFi demands rigor not only in liquidity but also in scalability and security. As the fund launches, it coincides with significant industry advancements such as Layer 2 scalability solutions and Maximum Extractable Value (MEV) reduction strategies that optimize transaction costs and fairness. Projects supported by DWF Labs reflect this commitment to innovation. Sophon Network and Virtuals Protocol, for example, are pioneering tokenomics models and consumer-centric applications under the firm&amp;rsquo;s guidance. Meanwhile, investments extend beyond DeFi&amp;rsquo;s traditional boundaries, including Rice AI and VitaDAO, which backs decentralized science focused on longevity research.&amp;nbsp;&lt;/p&gt;
&lt;h1&gt;Future Outlook&lt;/h1&gt;
&lt;p&gt;The timing of this fund announcement is particularly noteworthy as the DeFi ecosystem has rebounded with vigor, registering more than $120 billion in total value locked (TVL) across projects. Solana&amp;rsquo;s recent surge in institutional interest, including ETF inflows of $380 million within three weeks, exemplifies the growing appetite for high-throughput, low-cost DeFi chains. These metrics underscore the momentum behind the fund&amp;rsquo;s strategic focus areas. Industry experts predict significant adoption ramps as regulatory clarity improves. Sergey Nazarov, a prominent crypto strategist, estimates that DeFi is roughly 30% of the way toward mass adoption, with projections of 50% once regulations stabilize, and 70% as infrastructure matures to ease institutional entry.&lt;/p&gt;

DWF Labs Launches $75 Million Fund to Accelerate the Institutional Phase of DeFi

&lt;p&gt;Binance Wallet has rolled out its new &amp;ldquo;On‑Chain Stocks&amp;rdquo; feature, allowing users to trade tokenized shares of leading global companies directly on the blockchain with a 0% minimum transaction fee. Built into the existing Binance Wallet interface on BNB Chain, the launch dramatically lowers the barrier for global retail investors to access stock‑like exposure without going through a traditional broker.​&lt;/p&gt;
&lt;p&gt;&lt;img src=&quot;https://ds7uldi88krbs.cloudfront.net/posts/post_6927fb96565e6.png&quot; alt=&quot;Binance Wallet has launched On-Chain Stocks&quot; width=&quot;399&quot; height=&quot;300&quot;&gt;&lt;/p&gt;
&lt;p&gt;Image Source: &lt;a href=&quot;https://x.com/BinanceWallet/status/1993326719508566329&quot; target=&quot;_blank&quot; rel=&quot;noopener&quot;&gt;Binance Wallet&lt;/a&gt;&lt;/p&gt;
&lt;h1&gt;Tokenized Equities Inside Your Wallet&lt;/h1&gt;
&lt;p&gt;With On‑Chain Stocks, users can buy and sell tokenized versions of major equities such as Tesla, Apple, Amazon and other blue‑chip names, all settled on BNB Chain&amp;rsquo;s infrastructure. These tokenized assets are designed to mirror the price of their underlying stocks, with feeds keeping values updated in real time so traders can react to market movements without leaving their Web3 environment.​ Unlike traditional equity markets that operate within strict opening and closing hours, On‑Chain Stocks are available 24/7, offering round‑the‑clock access to stock‑like exposure from any region. Binance Wallet&amp;rsquo;s integration also supports fractional ownership, meaning users can start with very small allocations instead of buying a full share, an important draw for investors in emerging markets or those experimenting with new strategies.​&lt;/p&gt;
&lt;h1&gt;Zero Minimum Fees&lt;/h1&gt;
&lt;p&gt;One of the main features is the 0% minimum transaction fee, which makes micro‑investing and frequent rebalancing more practical for smaller portfolios. Trading is accessed directly through the &amp;ldquo;Stocks&amp;rdquo; section in the Markets tab of Binance Wallet, turning the app into a multi‑asset hub where users can move fluidly between crypto, stablecoins, DeFi positions and tokenized equities.​ Under the hood, the experience leans heavily on standard Web3 mechanics: on‑chain verification, transparent transaction histories and rapid settlement through smart contracts. For many users, this removes several layers of friction, no separate brokerage account, fewer intermediaries and reduced operational risk compared with shifting funds between exchanges, wallets and stock platforms.​&lt;/p&gt;
&lt;h1&gt;Ondo Integration&lt;/h1&gt;
&lt;p&gt;A key piece of this rollout is the integration with Ondo Global Markets, which has brought more than 100 tokenized U.S. stocks and exchange‑traded funds onto BNB Chain and into Binance Wallet&amp;rsquo;s interface. According to Ondo Finance, this connection extends tokenized equity access to over 280 million Binance Wallet users globally, dramatically expanding potential liquidity and participation.​ Ondo&amp;rsquo;s model focuses on taking real‑world, publicly traded securities and converting them into on‑chain representations that can be traded like any other crypto asset, while still tracking the value of the underlying markets. This collaboration positions Binance Wallet as one of the most comprehensive Web3 gateways for investors who want both digital assets and regulated market exposure in a single app.​&lt;/p&gt;
&lt;h1&gt;Why This Matters&lt;/h1&gt;
&lt;p&gt;Industry commentators see the On‑Chain Stocks launch as part of a broader shift toward tokenization of real‑world assets, a market often estimated in the tens of trillions of dollars in traditional equity value. By embedding tokenized equities alongside spot crypto and DeFi tools, Binance Wallet strengthens the narrative that wallets are evolving from simple storage tools into full‑fledged financial dashboards.​ Tokenized stocks offer clear advantages: faster settlement compared with legacy clearing systems, simpler cross‑border access and near‑instant transfers between different assets on the same chain. For users in countries with limited brokerage options or capital controls, this model can provide a new route to global markets that previously felt distant or gated.​​&lt;/p&gt;
&lt;h1&gt;Future Outlook&lt;/h1&gt;
&lt;p&gt;For now, the On‑Chain Stocks release marks a significant milestone: a major Web3 wallet giving millions of users direct access to tokenized stocks and ETFs with low barriers to entry. If adoption continues to climb, the line between &amp;ldquo;crypto trading app&amp;rdquo; and &amp;ldquo;global investment platform&amp;rdquo; will become increasingly blurred, with Binance Wallet sitting at the center of that convergence.​&lt;/p&gt;

Binance Wallet has launched On-Chain Stocks

&lt;p&gt;Sweden based Klarna has announced the launch of its KlarnaUSD, a U.S. dollar‑backed stablecoin built on Stripe&amp;rsquo;s Tempo blockchain. The move positions Klarna as the first bank to issue a stablecoin on Tempo, signaling how mainstream fintechs are now embracing blockchain rails to modernize global payments.​&lt;/p&gt;
&lt;p&gt;&lt;img src=&quot;https://ds7uldi88krbs.cloudfront.net/posts/post_6926b62c0d99b.png&quot; alt=&quot;Klarna Unveils KlarnaUSD Stablecoin on Tempo&quot; width=&quot;517&quot; height=&quot;300&quot;&gt;&lt;/p&gt;
&lt;p&gt;Image Source: &lt;a href=&quot;https://x.com/Klarna/status/1993303819715854549&quot; target=&quot;_blank&quot; rel=&quot;noopener&quot;&gt;Klarna&lt;/a&gt;&lt;/p&gt;
&lt;h1&gt;Klarna&amp;rsquo;s Strategic Leap Into Stablecoins&lt;/h1&gt;
&lt;p&gt;Klarna&amp;rsquo;s new token, KlarnaUSD, is designed as a fully collateralized stablecoin pegged 1:1 to the U.S. dollar and aimed squarely at payment use cases rather than speculation. The stablecoin is currently live on Tempo&amp;rsquo;s testnet, with a mainnet launch planned for 2026, giving partners, merchants, and developers time to integrate and stress‑test the new rails.​ For Klarna, which processes over $100 billion in annual gross merchandise value and serves more than 100 million customers worldwide, the stablecoin marks one of its most significant strategic shifts since entering the U.S. market. By issuing KlarnaUSD, the company is moving from simply routing card and BNPL transactions to owning a slice of the underlying settlement infrastructure.​&lt;/p&gt;
&lt;h1&gt;Why Tempo Blockchain Matters&lt;/h1&gt;
&lt;p&gt;Tempo is a new independent Layer‑1 blockchain purpose‑built for payments and co‑founded by Stripe and crypto investment firm Paradigm. Launched in September 2025, Tempo is optimized for speed and cost efficiency, with claims of processing over 100,000 transactions per second and achieving sub‑second finality, metrics that directly target pain points in legacy cross‑border payment rails.​ Tempo focuses on predictable low fees, the ability to pay gas in stablecoins, and optional privacy features for sensitive payment data. It is also EVM‑compatible, meaning applications and smart contracts built for Ethereum can be ported with relatively low friction, which is crucial for adoption by existing Web3 developers and payment partners.​&lt;/p&gt;
&lt;h1&gt;Cutting Costs in a $120 Billion Fee Market&lt;/h1&gt;
&lt;p&gt;KlarnaUSD is being pitched as an answer to the high cost and friction of cross‑border payments, a segment where fees are estimated at around $120 billion annually. By settling over Tempo instead of traditional correspondent banking networks such as SWIFT, Klarna aims to move money faster between markets while reducing the layers of intermediaries that add cost and delay.​ Initially, Klarna plans to use KlarnaUSD for its own internal treasury flows and merchant settlements. Over time, access is expected to expand to merchants and eventually consumers, giving users a way to pay, settle, or move balances using a stable digital dollar within Klarna&amp;rsquo;s ecosystem.​&lt;/p&gt;
&lt;h1&gt;Deepening Ties With Stripe and Bridge&lt;/h1&gt;
&lt;p&gt;The stablecoin is issued through Bridge, Stripe&amp;rsquo;s dedicated stablecoin infrastructure product, and Tempo serves as the underlying blockchain layer for that stack. Klarna and Stripe first partnered in 2021 to let Stripe merchants offer Klarna&amp;rsquo;s BNPL services, and Tempo now extends that relationship from front‑end checkout to the core settlement layer.​ By plugging into Stripe&amp;rsquo;s crypto and stablecoin stack, Klarna can tap an existing network of global merchants and financial partners rather than building an issuance and settlement infrastructure from scratch.&lt;/p&gt;
&lt;h1&gt;Regulatory Landscape&lt;/h1&gt;
&lt;p&gt;KlarnaUSD will enter a crowded $300‑billion‑plus stablecoin market dominated by incumbents such as USDT and USDC. Klarna is betting that tight integration with checkout, BNPL services, and merchant tools will differentiate its token from purely crypto‑native stablecoins that focus on trading and DeFi.​ At the same time, launching a bank‑issued stablecoin exposes Klarna to heightened scrutiny over reserve transparency, consumer protection, and compliance with evolving digital asset rules in the EU and U.S. Company executives frame the rollout as gradual and deliberate, with testnet trials and phased access designed to address regulatory and operational risk before full‑scale consumer use.​&lt;/p&gt;
&lt;h1&gt;Future of Payments&lt;/h1&gt;
&lt;p&gt;Klarna&amp;rsquo;s move underscores a broader shift: large fintechs are no longer treating crypto rails as experimental side projects but as core infrastructure for making payments faster, cheaper, and more programmable. If KlarnaUSD delivers on its promise of lower fees and near‑instant settlement, it could pressure traditional providers and accelerate enterprise adoption of payment‑focused blockchains like Tempo.​&lt;/p&gt;

Klarna Unveils KlarnaUSD Stablecoin on Tempo

&lt;p&gt;The U.S. Securities and Exchange Commission (SEC) has issued a no-action letter to Fuse Energy, a Solana blockchain-based DePIN project, marking a significant step forward in the regulation of crypto utility tokens. This development, announced in November 2025, reflects a rare instance of regulatory clarity and support for innovative crypto projects that blend blockchain technology with real-world infrastructure.\&lt;/p&gt;
&lt;p&gt;&lt;img src=&quot;https://ds7uldi88krbs.cloudfront.net/posts/post_69255c19e321d.png&quot; alt=&quot;SEC Grants No-Action Letter to Fuse Energy&quot; width=&quot;277&quot; height=&quot;300&quot;&gt;&lt;/p&gt;
&lt;p&gt;Image Source: &lt;a href=&quot;https://x.com/fuseenergy/status/1993071393941156082&quot; target=&quot;_blank&quot; rel=&quot;noopener&quot;&gt;Fuse Energy&lt;/a&gt;&lt;/p&gt;
&lt;h1&gt;What is Fuse Energy?&lt;/h1&gt;
&lt;p&gt;Fuse Energy is building The Energy Network, a decentralized grid leveraging Solana&amp;rsquo;s fast, scalable blockchain to coordinate renewable energy resources such as rooftop solar panels, electric vehicle charging stations, and energy storage batteries. The network operates using its native utility token, ENERGY, designed to incentivize sustainable energy participation rather than speculate for profit. The SEC&amp;rsquo;s no-action letter specifically states that, under its described offering conditions, the Energy Dollar token will not be treated as a security warranting enforcement action, provided Fuse meets the outlined conditions.&lt;/p&gt;
&lt;h1&gt;Innovating Energy Grids with Blockchain&lt;/h1&gt;
&lt;p&gt;The Energy Network by Fuse Energy uses its native ENERGY token to incentivize users who install, maintain, and operate decentralized energy infrastructure. These include households participating in rooftop solar programs, electric vehicle owners contributing charging capacity, and operators deploying battery storage to stabilize grid load. By embedding incentives into blockchain smart contracts, Fuse creates transparent, trustless reward mechanisms that encourage energy-conscious behaviours, helping to ease congestion and increase the efficiency of energy distribution on the decentralized grid.&lt;/p&gt;
&lt;h1&gt;What Is a No-Action Letter?&lt;/h1&gt;
&lt;p&gt;A no-action letter from the SEC&amp;rsquo;s Division of Corporation Finance is an official indication that the regulator will not recommend an enforcement action against a company for a particular activity, in this case, Fuse Energy&amp;rsquo;s issuance and sale of its native token ENERGY. This letter hinges on the SEC&amp;rsquo;s assessment that the ENERGY token does not fit the criteria of an investment contract as defined by the 1946 Howey Test, which determines if an asset qualifies as a security subject to U.S. securities laws. Instead, the SEC recognized ENERGY&amp;rsquo;s status as a utility token. Its value is directly tied to its function within the decentralized energy network, rewarding users for participating in grid maintenance and sustainability initiatives rather than promising profits generated by others&amp;rsquo; efforts.&lt;/p&gt;
&lt;h1&gt;Turning Point for DePIN Sector&lt;/h1&gt;
&lt;p&gt;Fuse Energy&amp;rsquo;s success in securing this no-action letter is particularly noteworthy given the broader regulatory uncertainty that has long clouded the DePIN sector, which aims to bring blockchain decentralization to physical infrastructures. Unlike speculative crypto assets, DePIN tokens often represent real-world utility, such as running nodes, providing network upkeep, or contributing renewable energy. With regulators under new leadership, including SEC Chair Paul Atkins and Commissioner Hester Peirce, the agency&amp;rsquo;s approach to crypto governance has subtly shifted towards accommodating utility-driven projects. Fuse&amp;rsquo;s letter follows a similar no-action letter granted recently to DoubleZero, another Solana-based DePIN initiative, signaling a growing regulatory willingness to engage constructively with blockchain projects that demonstrate genuine utility and community involvement rather than mere financial speculation.&lt;/p&gt;
&lt;h1&gt;Implications for Crypto Regulation and Innovation&lt;/h1&gt;
&lt;p&gt;Fuse Energy&amp;rsquo;s no-action letter provides much-needed regulatory clarity, often cited by crypto entrepreneurs as one of the biggest barriers to innovation in the U.S. crypto space. It offers a pragmatic path forward for projects leveraging blockchain for decentralized infrastructure by distinguishing between tokens designed for speculation and those that are functional network utilities. This regulatory development is especially timely as the broader Clarity Act remains stalled in Congress. The SEC&amp;rsquo;s targeted no-action letters fill this legislative void for now, offering tailored, project-specific guidance.&lt;/p&gt;
&lt;h1&gt;What This Means for Industry&lt;/h1&gt;
&lt;p&gt;For investors and market participants, the SEC&amp;rsquo;s supportive stance signals increased legitimacy for utility tokens tied to decentralized infrastructure. It potentially reduces the legal risks around participation in or investment into such projects, encouraging more innovation and capital flow into real-world blockchain applications. Fuse Energy&amp;rsquo;s achievement also sets a precedent for future DePIN projects that aim to integrate blockchain tokens into physical service networks, such as transportation, telecommunications, and environmental monitoring. Regulatory recognition helps projects gain broader adoption by assuring users and collaborators about compliance and sustainability.&lt;/p&gt;

SEC Grants No-Action Letter to Fuse Energy

&lt;p&gt;Wormhole Labs has introduced &amp;ldquo;Sunrise DeFi,&amp;rdquo; an innovative liquidity and asset gateway designed to streamline the process of bringing external tokens into the Solana ecosystem. The launch, which coincides with the debut of Monad&amp;rsquo;s MON token, marks a significant leap in cross-chain interoperability and user experience for DeFi participants.&lt;/p&gt;
&lt;p&gt;&lt;img src=&quot;https://ds7uldi88krbs.cloudfront.net/posts/post_6923e0e4f3684.png&quot; alt=&quot;Wormhole Labs Launches Sunrise DeFi&quot; width=&quot;277&quot; height=&quot;300&quot;&gt;&lt;/p&gt;
&lt;p&gt;Image Source: &lt;a href=&quot;https://x.com/wormhole_labs/status/1992656083165528250&quot; target=&quot;_blank&quot; rel=&quot;noopener&quot;&gt;Wormhole Labs&lt;/a&gt;&lt;/p&gt;
&lt;h1&gt;Revolutionizing Liquidity Bridging to Solana&lt;/h1&gt;
&lt;p&gt;Sunrise DeFi is engineered to solve the long-standing challenge of liquidity fragmentation, an issue that has hampered user experience and capital efficiency when migrating new tokens across different blockchains. Unlike traditional multi-step bridging processes that typically leave users navigating a patchwork of wrapped tokens and interfaces, Sunrise deploys a unified, &amp;ldquo;one-click&amp;rdquo; portal. This system allows issuers and users to transfer tokens from multiple blockchains into Solana seamlessly, ensuring immediate connection to Solana&amp;rsquo;s decentralized finance markets and applications upon arrival.​ This breakthrough is especially important for token issuers, who often see their new launches struggle to acquire trading momentum due to sluggish and splintered bridging activities. With Sunrise, projects can launch assets that become tradable across major Solana DEXs and lending protocols from day one.&lt;/p&gt;
&lt;h1&gt;The First Major Test Case&lt;/h1&gt;
&lt;p&gt;The rollout of Sunrise is timed with the mainnet launch of Monad&amp;rsquo;s MON token, making it the first significant case study for the platform. Starting Monday, users and liquidity providers can bridge MON from Monad&amp;rsquo;s native chain directly into Solana via the Sunrise portal. Once on Solana, MON gains instant access to integrations with decentralized exchanges such as Jupiter, and platforms like Orb, which means the token is liquid and tradable from the outset.​ This paradigm shift negates the typical wait for market formation, enabling Solana users to onboard freshly minted tokens without leaving their primary ecosystem.&lt;/p&gt;
&lt;h1&gt;Internet Capital Markets&lt;/h1&gt;
&lt;p&gt;Wormhole Labs&amp;rsquo; team frames Sunrise as an essential component of Solana&amp;rsquo;s broader ambition to become the home of &amp;ldquo;internet capital markets.&amp;rdquo; By offering a canonical, standardized entry for non-native assets, Solana strengthens its positioning as a go-to hub for DeFi innovation and seamless capital flow.​ A particular advantage of Sunrise lies in its use of Wormhole&amp;rsquo;s advanced cross-chain infrastructure. It completely abstracts the complexities behind the scenes, so issuers and users interact with a simple, reliable, and highly secure front end. For liquidity providers, this means they can pre-seed pools with confidence, knowing that net-new assets will quickly find depth and volume.&lt;/p&gt;
&lt;h1&gt;Future Outlook&lt;/h1&gt;
&lt;p&gt;The introduction of Sunrise signals a potential shift in the landscape for decentralized asset launches. With the promise of instant, native liquidity for tokens coming from any chain, the development dramatically lowers barriers for new projects and widens Solana&amp;rsquo;s on-chain marketplace in one stroke. Going forward, Sunrise expects to expand support to a range of asset types cementing Solana&amp;rsquo;s and Wormhole&amp;rsquo;s leadership in the rapidly evolving DeFi sector.​&lt;/p&gt;
&lt;h1&gt;Final Thoughts&lt;/h1&gt;
&lt;p&gt;With Sunrise DeFi, Wormhole Labs is setting a new standard for what it means to launch and trade innovative assets on Solana. By eliminating the frictions of fragmented liquidity and cumbersome bridging routes, the initiative positions Solana as the preeminent chain for fast, secure, and universal asset onboarding.&lt;/p&gt;

Wormhole Labs Launches Sunrise DeFi

&lt;p&gt;Coinbase has announced the launch of its ETH-backed loans for eligible United States users. This fresh offering adds a powerful layer to the burgeoning on-chain lending sector as it provides ether holders the ability to borrow against their assets without ever selling them.&lt;/p&gt;
&lt;p&gt;&lt;img src=&quot;https://ds7uldi88krbs.cloudfront.net/posts/post_69201c6576dc3.png&quot; alt=&quot;Coinbase has launched Ethereum-backed loans for US users.&quot; width=&quot;303&quot; height=&quot;300&quot;&gt;&lt;/p&gt;
&lt;p&gt;Image Source: &lt;a href=&quot;https://x.com/coinbase/status/1991523378554105980&quot; target=&quot;_blank&quot; rel=&quot;noopener&quot;&gt;Coinbase&lt;/a&gt;&lt;/p&gt;
&lt;h1&gt;Unlocking Liquidity Without Selling&lt;/h1&gt;
&lt;p&gt;One of the challenges facing crypto enthusiasts and long-term investors has been balancing the desire to hold onto appreciating assets and the need for liquid cash. With the new ETH-backed loan service, Coinbase customers can now use their ether (ETH) as collateral to borrow up to $1 million in USD Coin (USDC), the popular stablecoin. Importantly, this service is powered by Morpho. The interface, however, remains the familiar Coinbase platform, making it accessible even to non-technical users. The move aims to provide investors with flexible borrowing options for various life events, all without triggering a taxable event from selling their assets.&lt;/p&gt;
&lt;h1&gt;How It Works&lt;/h1&gt;
&lt;p&gt;To access ETH-backed loans, users simply pledge their wrapped ETH (WETH) as collateral through Coinbase&#039;s user-friendly dashboard. The platform then issues USDC, up to the $1 million cap, with a loan-to-value (LTV) ratio that can reach an impressive 75%. This structure means that for every $1,000 in ETH, an eligible user can borrow up to $750 in USDC, while retaining exposure to potential ETH price appreciation. Borrowers are required to carefully monitor the collateralization ratio because a sharp drop in ETH&amp;rsquo;s price could trigger automatic liquidation of the asset to protect the platform from losses. Interest rates are not fixed; rather, they fluctuate based on dynamic supply and demand within the Morpho protocol, ensuring a competitive borrowing environment. Loan repayment is similarly flexible: clients may pay back their loans at any time, reclaiming their full collateral plus any price gains realized in the interim.​&lt;/p&gt;
&lt;h1&gt;Market Impact&lt;/h1&gt;
&lt;p&gt;This announcement lands at a time when on-chain credit markets are breaking records. According to recent industry reports, total collateralized lending soared to $73.6 billion in Q3 2025, more than half of which now originates on decentralized finance (DeFi) platforms. This represents a dramatic shift from traditional, centralized crypto lenders to open, blockchain-based alternatives. Coinbase&amp;rsquo;s earlier foray into BTC-backed loans has already been a blockbuster: more than $1.25 billion has been borrowed by approximately 16,000 customers, backed with over $1.38 billion in collateral. The ETH-backed loan rollout is expected to fuel even greater adoption, with the company hinting at support for other assetsdown the road.​&lt;/p&gt;
&lt;h1&gt;What This Means for Crypto Investors&lt;/h1&gt;
&lt;p&gt;For many, this service will serve as a gateway into the world of DeFi with familiar guardrails provided by Coinbase. It opens the door to smart financial management, helping users unlock liquidity, diversify investments, avoid unnecessary asset sales, and manage cash flow efficiently. For Ethereum itself, lending use cases like these increase real-world utility and drive further adoption of the platform. However, it&#039;s not all risk-free. ETH price volatility remains a key factor, and borrowers must maintain healthy collateral ratios to avoid forced liquidation. Additionally, regulatory evolution in the crypto lending space will be one to watch as these products gain popularity.&lt;/p&gt;
&lt;h1&gt;Future Outlook&lt;/h1&gt;
&lt;p&gt;Coinbase&amp;rsquo;s new ETH loan feature solidifies its position at the forefront of crypto-financial services innovation in the US. It signals a continued migration of borrowing and lending out of walled gardens and into the open, transparent world of DeFi infrastructure.&lt;/p&gt;

Coinbase has launched Ethereum-backed loans for US users.

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DWF Labs Launches $75 Million Fund to Accelerate the Institutional Phase of DeFi

Binance Wallet has launched On-Chain Stocks

Klarna Unveils KlarnaUSD Stablecoin on Tempo

SEC Grants No-Action Letter to Fuse Energy

Wormhole Labs Launches Sunrise DeFi

Coinbase has launched Ethereum-backed loans for US users.

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