| Before | After | ||
|---|---|---|---|
| 7 | Individual User Agreement Last updated: January 27, 2026 Welcome to Coinbase! | 7 | Individual User Agreement Last updated: March 9, 2026 Welcome to Coinbase! |
| 945 | You agree to not to engage in manipulative or deceptive trading practices, as outlined in the CCM Customer Agreement, Section 15.3, a copy of which can be found at https://coinbase.com/ccm . | 945 | You agree to not to engage in manipulative or deceptive trading practices, as outlined in the CCM Customer Agreement, Section 15.3, a copy of which can be found at https://coinbase.com/ccm . 12. |
| 946 | Direct Deposit 1. | ||
| 947 | Eligibility and Enrollment. | ||
| 948 | If you are eligible for our Direct Deposit feature (“Direct Deposit”), and have completed identity verification, you may arrange to have all or part of your paycheck or any eligible federal or state government benefit or payment deposited into your Coinbase Account. 1.1. Enrollment . | ||
| 949 | You can enroll in Direct Deposit by providing your employer, payroll provider or applicable government payer with the virtual account and routing numbers we provide to you. | ||
| 950 | The virtual account and routing number are provided solely to facilitate electronic receipt of payroll and eligible government payments into your Coinbase Account. | ||
| 951 | The virtual account and routing number do not represent a bank account in your name. | ||
| 952 | Coinbase does not make any representations about your employment status by enrollment in Direct Deposit. | ||
| 953 | The recipient's name on any direct deposits must match the name on your Coinbase Account. | ||
| 954 | Your first direct deposit may take 2–3 payroll cycles to begin, as determined by your employer, payroll provider or applicable government payor. | ||
| 955 | Please visit the Help Center for more details on enrolling in direct deposit. 1.2. Payment Partners . | ||
| 956 | Direct deposits are processed via the Automated Clearing House (ACH) network. | ||
| 957 | Coinbase utilizes regulated financial institutions and third‑party payment processors (“Payment Partners”) to receive and process your direct deposit. | ||
| 958 | By using Direct Deposit, you authorize Coinbase and its Payment Partners to act as the receiving institution for your ACH credit entries under the NACHA Operating Rules and applicable law. 2. | ||
| 959 | Allocation and Conversion to Digital Assets . | ||
| 960 | You may elect to convert some or all of your direct deposit funds into a Supported Digital Asset. | ||
| 961 | Not all Supported Digital Assets are available for Direct Deposit. | ||
| 962 | Each conversion is a purchase of the Supported Digital Asset at the price at the time of conversion on Coinbase, and you authorize recurring purchases according to your allocations. | ||
| 963 | You can change your allocations at any time. | ||
| 964 | Digital assets can appreciate or depreciate relative to US dollars (“USD”) and are not insured by the Federal Deposit Insurance Corporation (FDIC). | ||
| 965 | Please visit the Help Center for more information, including how USD balances are insured. 3. | ||
| 966 | Fees . | ||
| 967 | We do not charge any fees to set up or maintain Direct Deposit and we will waive the Coinbase trading fees on Digital Asset conversions associated with Direct Deposit. | ||
| 968 | A spread may still apply to Digital Asset conversions. | ||
| 969 | You are responsible for any fees incurred on subsequent transactions (see pricing and fee disclosures for more information). 4. | ||
| 970 | Funds Availability . | ||
| 971 | The availability of your Direct Deposit funds is subject to the timing of your payer’s funding processes. | ||
| 972 | Funds transferred via Direct Deposit will typically be available 3-5 business days (excluding Federal holidays) from the day your payer initiated the deposit, or sometimes sooner. | ||
| 973 | Availability is not guaranteed and may vary by payer, third-party payroll provider used by your payer, and payroll schedule. | ||
| 974 | Deposits may be delayed for federal or bank holidays or other processing delays that are out of our control. 5. | ||
| 975 | Transfer Limits . | ||
| 976 | We may, at our sole discretion, set limits or restrictions on the size or number of direct deposit transactions you can make. | ||
| 977 | You can find the initial limits for Direct Deposit in the Help Center . | ||
| 978 | We reserve the right to accept, reject or limit transfers via Direct Deposit in our sole discretion. 6. | ||
| 979 | Reversals and Returns . | ||
| 980 | If a credited direct deposit is reversed or returned, Coinbase will reverse the credit by debiting your Coinbase Account in the amount of the reversal and will recover such amount by applying funds in your Coinbase Account, including any payouts or credits due to you (including your next or subsequent direct deposit). 7. | ||
| 981 | Transaction History . | ||
| 982 | You may review your transaction history on the Coinbase app to verify that each direct deposit has been received. 8. | ||
| 983 | Modifications and Cancellation . | ||
| 984 | You may make changes to your direct deposit amount or discontinue participating Direct Deposit at any time by submitting changes through your payroll provider or payer. | ||
| 985 | Changes become effective only when processed by your payer and received by our Payment Partner, and typically take one to two payroll cycles to take effect. | ||
| 986 | Coinbase does not control your payer’s processing timelines and is not responsible for delays or missed deposits resulting from changes made with your payer. 9. | ||
| 987 | Personal Information . | ||
| 988 | You agree that we may share personal information you provided to us under our Privacy Policy with service providers and Payment Partners to verify identity and address, process deposits, manage risk, and comply with law. 10. | ||
| 989 | Termination . | ||
| 990 | We reserve the right to terminate your access to Direct Deposit, including the ability to access Direct Deposit funds early, for any reason. 11. | ||
| 991 | Representations and Warranties . | ||
| 992 | For tax refunds and other federal payments, you represent and warrant that the name and Social Security Number associated with each payment will match the name and Social Security Number associated with your Coinbase Account. | ||
| 993 | For joint tax returns, the first‑listed filer must be the Coinbase Account holder. | ||
| 1618 | In addition to any of your indemnification obligations arising under the User Agreement, you will indemnify and hold harmless Coinbase and its officers, directors, employees, agents, and other Coinbase entities from and against any claims, disputes, demands, liabilities, damages, losses, and costs and expenses, including, without limitation, reasonable legal and accounting fees arising out of or in any way connected with (i) your or your Payment Acceptance Payors’ access to or use of the Payment Acceptance Services or the Protocol or (ii) your or your Payment Acceptance Payors’ violation of these terms. → INDIVIDUAL USER AGREEMENT Account Setup Hosted Wallet and Custodial Services Payment Services, Purchase & Sale Transactions, and Credit Transactions Digital Asset Transfers Data Protection and Security General Obligations, Taxes, Designating a Fiduciary and Termination Customer Feedback, Queries, Complaints, and Dispute Resolution Liabilities & Indemnification General Provisions Appendix 1: Verification Procedures and Limits Appendix 2: E-Sign Disclosure and Consent Appendix 3: State License Disclosures Appendix 4: Additional Services Coinbase Card USDC Rewards Staking Services Advanced Trading Coinbase One Dapp Wallet, DEXes, and Decentralized Applications Coinbase Verifications Coinbase Wrapped Tokens Coinbase One Card Coinbase Token Sale Platform Equities Trading Through Coinbase Capital Markets Corporation Appendix 5: Dispute Resolution → COINBASE BUSINESS USER AGREEMENT Account Setup Hosted Wallet and Custodial Services Payment Services, Purchase & Sale Transactions, and Credit Transactions Digital Asset Transfers Data Protection and Security General Obligations, Taxes, Updating an Authorized Representative and Termination Feedback, Queries, Complaints, and Dispute Resolution Liabilities & Indemnification General Provisions Appendix 1: E-Sign Disclosure and Consent Appendix 2: State License Disclosures Appendix 3: Additional Services USDC Rewards Staking Services Advanced Trading Payment Acceptance Services | 1666 | In addition to any of your indemnification obligations arising under the User Agreement, you will indemnify and hold harmless Coinbase and its officers, directors, employees, agents, and other Coinbase entities from and against any claims, disputes, demands, liabilities, damages, losses, and costs and expenses, including, without limitation, reasonable legal and accounting fees arising out of or in any way connected with (i) your or your Payment Acceptance Payors’ access to or use of the Payment Acceptance Services or the Protocol or (ii) your or your Payment Acceptance Payors’ violation of these terms. → INDIVIDUAL USER AGREEMENT Account Setup Hosted Wallet and Custodial Services Payment Services, Purchase & Sale Transactions, and Credit Transactions Digital Asset Transfers Data Protection and Security General Obligations, Taxes, Designating a Fiduciary and Termination Customer Feedback, Queries, Complaints, and Dispute Resolution Liabilities & Indemnification General Provisions Appendix 1: Verification Procedures and Limits Appendix 2: E-Sign Disclosure and Consent Appendix 3: State License Disclosures Appendix 4: Additional Services Coinbase Card USDC Rewards Staking Services Advanced Trading Coinbase One Dapp Wallet, DEXes, and Decentralized Applications Coinbase Verifications Coinbase Wrapped Tokens Coinbase One Card Coinbase Token Sale Platform Equities Trading Through Coinbase Capital Markets Corporation Direct Deposit Appendix 5: Dispute Resolution → COINBASE BUSINESS USER AGREEMENT Account Setup Hosted Wallet and Custodial Services Payment Services, Purchase & Sale Transactions, and Credit Transactions Digital Asset Transfers Data Protection and Security General Obligations, Taxes, Updating an Authorized Representative and Termination Feedback, Queries, Complaints, and Dispute Resolution Liabilities & Indemnification General Provisions Appendix 1: E-Sign Disclosure and Consent Appendix 2: State License Disclosures Appendix 3: Additional Services USDC Rewards Staking Services Advanced Trading Payment Acceptance Services |
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