Coinbase now accepts XRP as collateral for loans up to $100k

Customers of the largest US crypto exchange may now access their rightful liquidity from XRP.

Coinbase has made history today with a record-shattering addition to its loan program. Although the giant crypto exchange has historically only supported bitcoin and ether as collateral, it has finally added XRP as a permitted asset for loan values up to $100,000.

Quick note before we continue, high-volatility periods like this are where smart traders focus on execution, risk management, and reliable platforms. More on that below.

Market Context

Allowing XRP holders to access liquidity without selling their holdings was one of the most-requested features at Coinbase, and CEO Brian Armstrong took the time to personally announce the expansion.

The news from him and Coinbase instantly surpassed a million views.

Brian Armstrong@brian_armstrong

Our crypto backed loan offerings are expanding. Now you can instantly borrow USDC against your XRP, DOGE, ADA, and LTC, as well as BTC and ETH.

Coinbase 🛡️ @coinbase

Holding XRP, DOGE, ADA, or LTC? Now you can unlock the value of your portfolio without giving up your position. Borrow up to $100k in USDC against your tokens, instantly, without selling. Available now in the U.S. (ex. NY).

7:11 PM · Feb 18, 2026 · 494K Views

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451 Replies · 528 Reposts · 3.49K Likes

Helping to reduce selling demand from XRP holders who want to remain bullish yet need access to USD value for life expenses, Coinbase now allows millions of customers to receive a stablecoin loan without sacrificing their investment. Coinbase serves over 100 million customers worldwide.

News

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• Kraken acquires Magna tokenization (Kraken)

• The ETH Denver conference is underway with a 2026 roadmap reveal (Ethereum.org)

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