{"id":55321,"date":"2025-10-28T14:37:39","date_gmt":"2025-10-28T14:37:39","guid":{"rendered":"https:\/\/thecryptocurrencypost.net\/es\/?p=55321"},"modified":"2026-05-30T09:23:53","modified_gmt":"2026-05-30T07:23:53","slug":"coinbase-reanuda-prestamos-respaldados-por-bitcoin-en-ee-uu-excepto-nueva-york-con-tasas-desde-5-y-limites-crecientes","status":"publish","type":"post","link":"https:\/\/thecryptocurrencypost.net\/es\/coinbase-reanuda-prestamos-respaldados-por-bitcoin-en-ee-uu-excepto-nueva-york-con-tasas-desde-5-y-limites-crecientes\/","title":{"rendered":"Coinbase reanuda pr\u00e9stamos respaldados por Bitcoin en EE. UU."},"content":{"rendered":"<p><strong>Coinbase volvi\u00f3 a poner en marcha a principios de 2025 un programa de pr\u00e9stamos respaldados por <a href=\"https:\/\/thecryptocurrencypost.net\/es\/noticias-criptomonedas\/noticias-bitcoin\/\">Bitcoin<\/a> para clientes en Estados Unidos, excepto en Nueva York<\/strong>. <strong>El servicio entrega USDC l\u00edquido sin obligar a vender BTC<\/strong>, lo que reduce fricciones y costos para usuarios. <strong>En pocos meses ya alcanz\u00f3 vol\u00famenes importantes, apoyado en intereses bajos y mayor acceso a cr\u00e9dito para personas y empresas no atendidas por la banca<\/strong>.<\/p>\n<p><!--more--><\/p>\n<p><strong>La f\u00f3rmula consiste en recibir USDC dejando Bitcoin como garant\u00eda<\/strong>, con un <strong>colateral revisado segundo a segundo<\/strong> que se gestiona dentro de <strong>redes DeFi montadas sobre <a href=\"https:\/\/thecryptocurrencypost.net\/es\/apagon-en-aws-useast1-del-20-de-octubre-de-2025-expone-la-dependencia-centralizada-de-los-nfts-en-ethereum\/\" target=\"_blank\" rel=\"noopener\">Base<\/a><\/strong>. Este dise\u00f1o prioriza liquidez y control de riesgo, manteniendo al prestatario expuesto a BTC sin necesidad de liquidarlo.<\/p>\n<p><strong>Las tasas arrancan en 5% y los pagos se acomodan al cliente<\/strong>, con un <strong>l\u00edmite que subi\u00f3 de 100.000 USD en USDC a 1.000.000 USD<\/strong> y una <strong>meta anunciada de 5.000.000 USD<\/strong>. Entre los usuarios figuran <strong>ahorristas peque\u00f1os, mineros y compa\u00f1\u00edas<\/strong>; <strong>KULR y CleanSpark han firmado contratos p\u00fablicos<\/strong> para utilizar estas l\u00edneas.<\/p>\n<h2>Infraestructura y cifras que propone Coinbase<\/h2>\n<p>El producto se sostiene en dos piezas: <a href=\"https:\/\/docs.morpho.org\/get-started\/resources\/app-ecosystem#criteria-for-restricting-access-on-morpho-association-interfaces\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Morpho<\/strong><\/a>, un protocolo que presta y recibe fondos on chain, y <strong>cbBTC<\/strong>, un token ERC-20 que representa Bitcoin custodiado por Coinbase en relaci\u00f3n uno a uno. <strong>Esta combinaci\u00f3n permite originar y gestionar pr\u00e9stamos de forma programable<\/strong>, manteniendo transparencia y liquidez en el proceso.<\/p>\n<p><strong>Morpho ya muestra m\u00e1s de 500 millones de USD en pr\u00e9stamos con cripto como respaldo<\/strong> y, <strong>para septiembre de 2025, la iniciativa super\u00f3 1 000 millones de USD en pr\u00e9stamos nuevos<\/strong>, seg\u00fan registros de la red. Brian Armstrong se\u00f1ala que el plan se integra en una <strong>\u201csuper app\u201d de cripto que reemplace funciones bancarias usando stablecoins y productos integrados<\/strong>. <strong>Stablecoin es un token digital que vale lo mismo que un d\u00f3lar<\/strong>, y <strong>USDC es la moneda que entrega la plataforma<\/strong>.<\/p>\n<p><strong>La propuesta quita tr\u00e1mites al cr\u00e9dito y ampl\u00eda la adopci\u00f3n<\/strong>, pues el titular de BTC obtiene d\u00f3lares sin vender y evita generar impuestos por venta. <strong>El riesgo se concentra en la volatilidad de Bitcoin<\/strong>: si el precio cae, pueden activarse liquidaciones autom\u00e1ticas para proteger al prestamista. <strong>El mercado institucional se beneficia<\/strong> con l\u00edneas millonarias para mineros y empresas cripto, mientras <strong>el avance regulatorio sigue en debate<\/strong> a medida que el Congreso discute leyes sobre stablecoins y la plataforma negocia con supervisores.<\/p>\n<p><strong>El siguiente paso declarado es llevar el tope a 5 000 000 USD y conectar m\u00e1s infraestructura on chain<\/strong>. La <strong>velocidad depender\u00e1 de la evoluci\u00f3n de la ley sobre stablecoins y la presi\u00f3n de los reguladores<\/strong>, conforme a comunicados y datos del ecosistema.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Coinbase volvi\u00f3 a poner en marcha a principios de 2025 un programa de pr\u00e9stamos respaldados por Bitcoin para clientes en Estados Unidos, excepto en Nueva York. El servicio entrega USDC l\u00edquido sin obligar a vender BTC, lo que reduce fricciones y costos para usuarios. En pocos meses ya alcanz\u00f3 vol\u00famenes importantes, apoyado en intereses bajos [&hellip;]<\/p>\n","protected":false},"author":33,"featured_media":55320,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[80,33],"tags":[124,148,220,140,264,1397,299],"class_list":["post-55321","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-companias","category-editors-picks","tag-bitcoin","tag-btc","tag-coinbase","tag-criptomonedas","tag-estados-unidos","tag-morpho","tag-usdc"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Coinbase reanuda pr\u00e9stamos respaldados por Bitcoin en EE. UU. The CryptoCurrency Post ESP<\/title>\n<meta name=\"description\" content=\"Coinbase volvi\u00f3 a poner en marcha a principios de 2025 un programa de pr\u00e9stamos respaldados por Bitcoin\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/thecryptocurrencypost.net\/es\/coinbase-reanuda-prestamos-respaldados-por-bitcoin-en-ee-uu-excepto-nueva-york-con-tasas-desde-5-y-limites-crecientes\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Coinbase reanuda pr\u00e9stamos respaldados por Bitcoin en EE. UU. 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