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Coinbase, the largest crypto exchange in the US, recently launched the Coinbase US Bitcoin Yield Fund (USCBYF). This product is designed for accredited investors who want to earn yield beyond just holding Bitcoin.
As a leading crypto exchange in the US, Coinbase is highly regulated and a top option for investors and institutions looking for a reliable partner for trading, financing, and custody of digital assets.
Accredited investors looking to earn a higher Bitcoin yield shouldn’t miss this new Coinbase crypto offer.
Bringing Bitcoin Yield to the US Market
Over a decade after Bitcoin launched, the largest crypto asset has become a hedge against inflation and a store of value, prompting institutions and countries to build treasuries around it. But simply holding Bitcoin doesn’t add much additional value aside from its price appreciation.
Earlier this year, Coinbase launched its Coinbase Bitcoin Yield Fund for non-US investors, which was designed to capture value via strategies like basis trading and private credit lending, and deliver extra yield-earning opportunities to investors.
After this successful launch, Coinbase soon developed a similar product for US investors. The result: The Coinbase US Bitcoin Yield Fund (USCBYF), a replica of the non-US product designed for additional yield opportunities within the domestic market.
What Investors Should Know About the Coinbase US Bitcoin Yield Fund
While bearing a lot of similarities with the praised international yield fund released earlier this year, the USCBYF has a couple of distinctive differences. Let’s take a look at some of the Coinbase US Bitcoin Yield Fund (USCBYF) details:
- Available only for accredited US investors.
- Eligible Investors can subscribe to the fund using BTC, USD, or USDC.
- Fund returns come in the form of Bitcoin performance (tracked via the CME Bitcoin Reference Rate, or BRR) plus additional yield via basis trading and private credit lending.
- USCBYF will be available to accredited investors in late 2025, with some retirement account options in 2026.
iTrustCapital Partnership to Bring USCBYF to Retirement Accounts
The Coinbase US Bitcoin Yield Fund (USCBYF) fund will become available in 2026 to applicable tax-advantaged retirement accounts. To make this possible, Coinbase has partnered with iTrustCapital, which is the largest provider of alternative assets like crypto, gold, and silver to IRA retirement accounts.
The company has already made over $15 billion in crypto transactions and enjoys a high rating of 4.9 stars from over 11,000 positive reviews.
Institutional and Regulated Approach to Crypto Yield Investing
One of the major advantages for accredited investors choosing the Coinbase Bitcoin yield fund is that it’s fully regulated, giving investors peace of mind that their assets enjoy the maximum level of regulatory security.
Coinbase Asset Management (CBAM) is a subsidiary of Coinbase in charge of launching and managing the USCBYF. This Limited Liability Company was formed within the parent institution to manage digital asset strategies for institutional investors. The company is also a Registered Investment Advisor (RIA) with the Securities and Exchange Commission (SEC).
Additionally, CBAM is registered under the Commodity Futures Trading Commission as a collective investment fund. This enables the company to provide trading advice for compensation.
Yield-Generating Strategy Explained
While passively holding Bitcoin offers returns in the form of price appreciation, the asset’s design limits other earning opportunities. There’s no staking available like with Ethereum, which some investors see as a significant drawback. Coinbase aims to change this and bring additional yield on top of price growth. For that purpose, Coinase uses two mechanisms:
- Private credit lending. Since Coinbase already serves institutional investors, it can lend them Bitcoin assets, typically over the counter. As a lender, Coinbase earns yield in the form of interest. This is a low-risk strategy as it avoids high-interest Bitcoin loans.
- Basis trading. This is a strategy that exploits the price difference between Bitcoin’s spot price and its futures price on exchanges like CME. Bitcoin futures typically trade at a premium compared to the spot price, and Coinbase can take advantage of the price difference to deliver yield to investors.
While these strategies can add extra yield over Bitcoin’s price increase, Coinbase can’t guarantee returns, and performance may vary.
Expanding Institutional Access to Generating Bitcoin Yield
After the successful launch of the Coinbase Bitcoin Yield Fund for non-US investors, Coinbase now brings the same product to accredited investors in the US. This should bring them similar opportunities in a highly-regulated environment.
By growing its feature set, Coinbase continues to bridge traditional finance and crypto yield for its clients, which is one of the reasons it has become the largest crypto exchange in the US with a growing global presence.
How to Get Involved
Accredited investors are eligible to subscribe to the Coinbase US Bitcoin Yield Fund (USCBYF). Here’s how:
- Visit Coinbase’s website and open an account.
- Verify your accredited investor status.
- Subscribe to the fund using BTC, USD, or USDC.
Alternatively, you can also join when the fund becomes available in retirement accounts via iTrustCapital (expected sometime in 2026).
Retail Bonus: EU Investors Get Up to 150 EUR After Making Their First Trade
However, there are other earning possibilities open to regular retail investors on Coinbase. If you’re not an accredited investor in the US, you can still get up to 150 EUR if you open a Coinbase account and place your first trade.
This welcome bonus is designed specifically for European investors, giving newcomers a head start when they begin trading on Coinbase. Visit Coinbase to claim your own $150 bonus before the promotion ends.
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