Crypto loans are close to mainstream adoption. Did you know that you can get a loan on your BTC like you can get a mortgage on your house? Borrowing against your crypto loans has been possible onchain for 8+ years with products like MakerDAO and Aave but the non-custodial UX has been a blocker for many. Centralized services like BlockFi have also offered it, though they weren't transparent, took too much risk and blew up. Now Coinbase offers onchain loans via Morpho in a hosted wallet. Users get a good UX and the transparency and liquidity of an onchain product. Gamechanger.