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Crypto
XRPL lending infrastructure may let XRP holders borrow without selling
A planned lending infrastructure on the XRP Ledger could allow XRP holders to borrow funds using their tokens as collateral without selling, an analysis said. XRP analyst James Dooly said Coinbase’s XRP-backed loans, a government-guaranteed crypto mortgage structure and proposed XRPL lending functions could create a new model for long-term holders. He outlined a hypothetical example using USDC borrowing and possible interest income from depositing unused XRP, while noting key XRPL functions remain at the proposal stage.
Crypto
Coinbase to offer token-backed home down payment loans
Coinbase will provide home down payment loans backed by bitcoin and USDC starting this summer. Cointelegraph reported that Coinbase will work with Better Home & Finance to let eligible borrowers obtain down payment funds for Fannie Mae-backed mortgages. Borrowers will pledge bitcoin or USDC as collateral. The plan was first disclosed in March. Better founder and CEO Vishal Garg said the aim is to broaden access for people who meet key requirements but cannot raise down payments because their assets are not in forms expected by the traditional financial system.
Crypto
Coinbase, Better to roll out bitcoin and USDC-backed mortgages across the United States
Coinbase and Better Home & Finance have introduced a mortgage product that combines a conventional home loan with a separate crypto-backed loan to fund a down payment. The companies said a couple in Ann Arbor, Michigan, has completed the first loan and they plan to launch the product across the United States in summer 2026. Initial eligible collateral is limited to bitcoin and USDC, with plans to expand supported digital assets.
