Coinbase has expanded its on-chain lending service to accept XRP, Dogecoin (DOGE), Cardano (ADA), and Litecoin (LTC) as collateral. This strategic move allows qualified U.S. customers to borrow up to $100,000 in USDC without selling their digital assets, thus avoiding taxable events. The service, built on the DeFi protocol Morpho, enhances Coinbase's offering by bridging traditional finance with blockchain technology. The inclusion of these major altcoins, each with substantial market capitalization and liquidity, broadens the appeal of Coinbase's lending service. This expansion responds to the growing demand for flexible financial tools within the crypto community. However, the service remains unavailable to New York residents due to regulatory constraints. By leveraging these assets, Coinbase provides users with a compliant and transparent platform to access liquidity while maintaining their market positions.