Coinbase has expanded its loan collateral options to include XRP, Cardano (ADA), Dogecoin (DOGE), and Litecoin (LTC) for U.S. customers, allowing borrowing up to $100,000 in USDC with these assets through the Morpho protocol. This new feature enables users to access liquidity without selling their crypto holdings, though it carries a risk of liquidation and potential taxable events. Coinbase enforces safety buffers to reduce liquidation risk and notifies borrowers frequently, while Delaware residents are excluded due to regulatory restrictions.