Coinbase updated their User Agreement on April 28, 2026, making mostly formatting adjustments to how quoted terms are displayed (removing extra spaces around quotation marks). More notably, the agreement now explicitly covers 'Coinbase Custom Stablecoin' alongside wrapped tokens, meaning users who obtain, hold, or use these new stablecoins are also bound by the agreement. This expansion of scope is worth noting for users who interact with Coinbase-issued stablecoins.
Coinbase's updated User Agreement now explicitly states that obtaining, holding, or using a 'Coinbase Custom Stablecoin' — not just wrapped tokens — binds you to the full terms of the agreement. The remaining changes are purely cosmetic formatting corrections with no effect on your rights. If you use or plan to use Coinbase Custom Stablecoins, you should review the full User Agreement to understand the obligations that apply to you.
If you use Coinbase's new Custom Stablecoin product, you are automatically agreeing to all of Coinbase's terms and conditions.
The addition of 'Coinbase Custom Stablecoin' signals a new product rollout and means users of that product are automatically subject to Coinbase's full terms. Users considering holding or using Coinbase stablecoins should be aware they are entering a binding legal agreement.
The agreement now explicitly binds users who obtain, hold, or use a 'Coinbase Custom Stablecoin,' expanding the product categories covered by the terms.
Extra spaces around quoted defined terms (e.g., 'User,' 'Coinbase,' 'Agreement') were removed — a cosmetic correction with no substantive legal effect.
ConductAtlas Policy Archive Entity: Coinbase | Document: Coinbase User Agreement | Record: CA-C-000688 Captured: 2026-04-28 06:03:44 UTC URL: https://conductatlas.com/change/2026-04-28-coinbase-coinbase-user-agreement-688/ Accessed: May 2, 2026
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Coinbase amended its Individual User Agreement on April 28, 2026, primarily making cosmetic formatting corrections (removing extraneous spaces in quoted defined terms) but also expanding the scope of agreement acceptance to include 'Coinbase Custom Stablecoin' issued by Coinbase, alongside the previously listed wrapped tokens. This touches consumer contract formation and the scope of binding terms. The stablecoin addition may implicate money transmission, e-money, or payment instrument regulatory frameworks depending on jurisdiction. Compliance teams at fintechs or neobanks that integrate Coinbase services should note this product category expansion and assess whether it affects their own customer disclosures or vendor agreements. Low urgency but warrants a flag for any team tracking Coinbase's stablecoin product rollout.
1. FinCEN / Bank Secrecy Act (31 U.S.C. § 5311 et seq.) — Coinbase Custom Stablecoins may qualify as value that substitutes for currency; money services business obligations could attach to users or intermediaries.
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ConductAtlas provides verified policy intelligence sourced directly from platform documents. All analysis is intended to support, not replace, legal and compliance review. Record CA-C-000688.
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