Coinbase Expands US Loans to Include XRP, ADA, and DOGE

Edgen Crypto

·Feb 18 2026, 20:55

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Key Takeaways

Coinbase has broadened its crypto-backed lending program in the United States, adding three major altcoins as eligible collateral. The move enhances the utility of XRP, Cardano (ADA), and Dogecoin (DOGE) by allowing holders to access cash without selling their digital assets.

Coinbase now accepts XRP, ADA, and DOGE as collateral for its crypto-backed loans for U.S. customers.
The new feature provides liquidity to token holders, which can potentially reduce sell-side pressure on the respective markets.
This expansion strengthens Coinbase's competitive position in the growing crypto lending sector by diversifying its service offerings.

Coinbase Unlocks Liquidity for XRP, ADA, and DOGE Holders

On February 18, 2026, Coinbase officially expanded its lending services, enabling customers in the United States to take out cash loans using XRP, Cardano (ADA), and Dogecoin (DOGE) as collateral. This strategic decision adds three of the market's most widely-held altcoins to its existing program, significantly broadening its appeal. By allowing users to borrow against their holdings, Coinbase provides a crucial alternative to selling assets to access cash, a process that can trigger taxable events and forfeit potential future gains.

Expanded Utility Aims to Bolster Token Holding Incentives

The integration of XRP, ADA, and DOGE as loan collateral fundamentally increases their utility beyond simple trading and speculation. For holders of these digital assets, the ability to secure loans creates a powerful incentive to maintain long-term positions. This mechanism can lead to reduced selling pressure in the market, as investors can meet short-term cash needs without liquidating their portfolios. The move also positions Coinbase more competitively against other platforms in the crypto-lending space, enhancing its ecosystem by offering a more comprehensive suite of financial services.