{"id":36490,"date":"2026-04-23T05:43:30","date_gmt":"2026-04-23T05:43:30","guid":{"rendered":"https:\/\/buvei.com\/blog\/?p=36490"},"modified":"2026-04-23T05:43:30","modified_gmt":"2026-04-23T05:43:30","slug":"coinbase-launches-uk-crypto-lending-via-morpho-defi-protocol-2","status":"publish","type":"post","link":"https:\/\/buvei.com\/blog\/pt\/coinbase-launches-uk-crypto-lending-via-morpho-defi-protocol-2\/","title":{"rendered":"Coinbase lan\u00e7a empr\u00e9stimo garantido por cripto no Reino Unido via Morpho\/Base"},"content":{"rendered":"<h2>Coinbase expande servi\u00e7o de empr\u00e9stimo garantido por cripto para o Reino Unido usando protocolo Morpho<\/h2>\n<div><\/div>\n<div>A Coinbase expandiu oficialmente seu servi\u00e7o de empr\u00e9stimo garantido por criptomoedas para o <strong>Reino Unido<\/strong>. Impulsionado pelo protocolo Morpho na rede Base, o produto permite que usu\u00e1rios brit\u00e2nicos peguem empr\u00e9stimos em USDC usando seus holdings de Bitcoin e Ethereum como garantia. Essa integra\u00e7\u00e3o \u201cfront-end\u201d marca uma mudan\u00e7a significativa: corretoras reguladas passam a usar protocolos DeFi de c\u00f3digo aberto para oferecer cr\u00e9dito de n\u00edvel institucional sem os riscos tradicionais de balan\u00e7o.<\/div>\n<div>\n<h2 data-path-to-node=\"6\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-36398\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-49.webp\" alt=\"\" width=\"1600\" height=\"896\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-49.webp 1600w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-49-300x168.webp 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-49-1024x573.webp 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-49-768x430.webp 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-49-1536x860.webp 1536w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-49-400x224.webp 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-49-800x448.webp 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-49-832x466.webp 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/\u672a\u547d\u540d\u7684\u8bbe\u8ba1-49-1248x699.webp 1248w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/h2>\n<\/div>\n<h2>Como funciona a i<a href=\"https:\/\/buvei.com\/blog\/the-rise-of-biometric-payments-in-retail-and-banking\/\">ntegra\u00e7\u00e3o Coinbase-Morpho<\/a><\/h2>\n<div><\/div>\n<div>Diferente do empr\u00e9stimo tradicional, que depende do balan\u00e7o de um banco e comit\u00eas de cr\u00e9dito manuais, a Coinbase \u201cterceirizou\u201d o livro raz\u00e3o para a blockchain.<\/div>\n<div><\/div>\n<ul>\n<li><strong>Interface<\/strong>: usu\u00e1rios interagem com o aplicativo familiar da Coinbase.<\/li>\n<li><strong>Backend<\/strong>: a garantia (BTC\/ETH) \u00e9 movida para um contrato inteligente do Morpho na rede Base.<\/li>\n<li><strong>Desembolso<\/strong>: USDC \u00e9 liberado algoritmicamente das pools de liquidez do Morpho diretamente na conta do usu\u00e1rio.<\/li>\n<\/ul>\n<div><\/div>\n<div>Ao usar o Morpho como \u201clivro de registros\u201d, a Coinbase evita a aloca\u00e7\u00e3o pesada de capital e a gest\u00e3o de risco de cr\u00e9dito associadas a opera\u00e7\u00f5es de empr\u00e9stimo propriet\u00e1rias.<\/div>\n<div>\n<h2 data-start=\"1124\" data-end=\"1167\"><a href=\"https:\/\/buvei.com\/?s=blog\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-28870 aligncenter\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4.png\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-300x90.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-768x230.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-400x120.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-800x240.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-832x249.png 832w\" alt=\"\" width=\"1024\" height=\"307\" \/><\/a><\/h2>\n<\/div>\n<h2>Escala por meio de liquidez descentralizada<\/h2>\n<div><\/div>\n<div>O lan\u00e7amento no Reino Unido vem ap\u00f3s o sucesso nos Estados Unidos, onde foram registrados <strong>$2,17 bilh\u00f5es em origina\u00e7\u00f5es de empr\u00e9stimos<\/strong> desde janeiro de 2025. Esse sucesso destaca um novo modelo de expans\u00e3o \u201cPlug-and-Play\u201d:<\/div>\n<div><\/div>\n<ul>\n<li><a href=\"https:\/\/buvei.com\/blog\/the-rise-of-biometric-payments-in-retail-and-banking\/\"><strong>Facilidade regulat\u00f3ria<\/strong><\/a>: a Coinbase gerencia a conformidade local (registro na FCA no Reino Unido).<\/li>\n<li><strong>Consist\u00eancia na infraestrutura<\/strong>: a infraestrutura DeFi subjacente permanece a mesma em todas as jurisdi\u00e7\u00f5es.<\/li>\n<li><strong>Escala global<\/strong>: a entrada no mercado passa a ser uma quest\u00e3o de distribui\u00e7\u00e3o, e n\u00e3o de reconstru\u00e7\u00e3o de sistemas financeiros do zero.<\/li>\n<\/ul>\n<div><\/div>\n<h2>A amea\u00e7a competitiva para corretores tradicionais<\/h2>\n<div><\/div>\n<div>Esse lan\u00e7amento cria uma compara\u00e7\u00e3o \u201cdesconfort\u00e1vel\u201d para corretores e credores tradicionais. O modelo baseado em DeFi da Coinbase oferece vantagens estruturais que empresas legadas lutam para replicar:<\/div>\n<div><\/div>\n<ul>\n<li><strong>Taxas em tempo real<\/strong>: juros definidos algoritmicamente por oferta e demanda, atualizados em segundos.<\/li>\n<li><strong>Sem cronogramas de pagamento<\/strong>: flexibilidade total para tomadores, desde que mantenham as taxas de garantia.<\/li>\n<li><strong>Opera\u00e7\u00f5es 24\/7<\/strong>: empr\u00e9stimos processados e liberados instantaneamente, inclusive fins de semana e feriados.<\/li>\n<li><strong>Sem comit\u00eas de cr\u00e9dito<\/strong>: aprova\u00e7\u00e3o imediata, baseada apenas no valor verific\u00e1vel da garantia on-chain.<\/li>\n<\/ul>\n<div>\n<h2 data-path-to-node=\"20\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-35749\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/Virtual-Cards-for-Verified-Affiliate-Billing-Accounts-1.webp\" alt=\"\" width=\"1600\" height=\"896\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/Virtual-Cards-for-Verified-Affiliate-Billing-Accounts-1.webp 1600w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/Virtual-Cards-for-Verified-Affiliate-Billing-Accounts-1-300x168.webp 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/Virtual-Cards-for-Verified-Affiliate-Billing-Accounts-1-1024x573.webp 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/Virtual-Cards-for-Verified-Affiliate-Billing-Accounts-1-768x430.webp 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/Virtual-Cards-for-Verified-Affiliate-Billing-Accounts-1-1536x860.webp 1536w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/Virtual-Cards-for-Verified-Affiliate-Billing-Accounts-1-400x224.webp 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/Virtual-Cards-for-Verified-Affiliate-Billing-Accounts-1-800x448.webp 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/Virtual-Cards-for-Verified-Affiliate-Billing-Accounts-1-832x466.webp 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/04\/Virtual-Cards-for-Verified-Affiliate-Billing-Accounts-1-1248x699.webp 1248w\" sizes=\"auto, (max-width: 1600px) 100vw, 1600px\" \/><\/h2>\n<\/div>\n<h2>Construindo o stack financeiro \u201c<a href=\"https:\/\/buvei.com\/blog\/the-rise-of-the-financially-integrated-platform-5-key-strategies-for-2025\/\">on-chain\u201d do Reino Unido<\/a><\/h2>\n<div><\/div>\n<div>O produto de empr\u00e9stimo \u00e9 a mais nova pe\u00e7a da estrat\u00e9gia da Coinbase para dominar o mercado fintech brit\u00e2nico. Ap\u00f3s o bem-sucedido registro na FCA, a empresa j\u00e1 lan\u00e7ou:<\/div>\n<div><\/div>\n<ul>\n<li><strong>Produtos de poupan\u00e7a<\/strong>: op\u00e7\u00f5es de alto rendimento para ativos digitais.<\/li>\n<li><strong>Negocia\u00e7\u00e3o DEX<\/strong>: acesso direto a corretoras descentralizadas.<\/li>\n<li><strong>Camada de cr\u00e9dito<\/strong>: novo recurso de empr\u00e9stimo via Morpho.<\/li>\n<\/ul>\n<div><\/div>\n<div>Essa abordagem \u201cfull-stack\u201d sinaliza que a brecha entre servi\u00e7os de corretagem tradicionais e finan\u00e7as nativas de cripto est\u00e1 se ampliando. \u00c0 medida que entidades reguladas adotam infraestrutura financeira de c\u00f3digo aberto, credores legados enfrentam uma corrida para se modernizar ou risco de serem superados em velocidade, transpar\u00eancia e custo.<\/div>\n<h2 data-start=\"1124\" data-end=\"1167\"><a href=\"https:\/\/buvei.com\/?s=blog\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-28870 aligncenter\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4.png\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-300x90.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-768x230.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-400x120.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-800x240.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2026\/01\/buvei-4-832x249.png 832w\" alt=\"\" width=\"1024\" height=\"307\" \/><\/a><\/h2>\n","protected":false},"excerpt":{"rendered":"Coinbase expande servi\u00e7o de empr\u00e9stimo garantido por cripto para o Reino Unido usando protocolo Morpho A Coinbase expandiu&hellip;","protected":false},"author":6,"featured_media":36398,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":""},"categories":[27],"tags":[6608,1761,5405,4095,625],"class_list":{"0":"post-36490","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-payment-basics-pt","8":"tag-advertising-payments-pt","9":"tag-cross-border-payments-pt","10":"tag-online-payment-security-pt","11":"tag-secure-payments-pt","12":"tag-virtual-cards-pt","13":"cs-entry"},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/36490","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/comments?post=36490"}],"version-history":[{"count":0,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/36490\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media\/36398"}],"wp:attachment":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media?parent=36490"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/categories?post=36490"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/tags?post=36490"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}