Kucoin launched an earn-and-loan product that combines liquidity unlocking with passive yield for collateral such as BTC, SOL, ETH, USDT, USDC, and other high-liquidity assets. The product targets the gap between centralized and decentralized finance by allowing users to borrow against collateral while keeping that collateral productive. A single-position architecture replaces isolated margin accounts and pools assets into a unified framework that manages liabilities and tracks a macro loan-to-value (LTV) ratio in one dashboard. Risk is handled through a three-tier collateral framework: initial level, marginal call, and liquidation level, where liquidation prevents bad debt. Kucoin plans web-based portal access in 2026 and a broader focus on real-world asset infrastructure.
"When questioned by Bitcoin.com News on where this product fits, Kucoin stated that exchanges must look beyond matching orders. We believe that exchanges are evolving far beyond mere trading venues; they are transforming into comprehensive digital financial infrastructure, the exchange stated. As institutional capital pours into the crypto market via regulated vehicles like spot ETFs, and crypto-native users continue to aggressively optimize for on-chain liquidity, the defining macro trend will be the convergence of these two worlds."
Read at news.bitcoin.com
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