Coinbase has launched a new on-chain USDC lending service, allowing users to borrow USDC on the Base chain via Morpho and Steakhouse Financial protocols. The service offers annualized returns of up to 10.8%, with funds managed through Coinbase's smart contract wallet and allocated by Steakhouse Financial to optimize returns. Users can withdraw their funds at any time. This service is available in the United States, excluding New York State, Bermuda, and select other countries.