| Before | After | ||
|---|---|---|---|
| 0 | Legal Coinbase User Agreements On this page → Individual User Agreement → Coinbase Business User Agreement Not sure which one applies to you? | 0 | Coinbase User Agreements On this page → Individual User Agreement → Coinbase Business User Agreement Not sure which one applies to you? |
| 7 | Individual User Agreement Last updated: January 27, 2026 Welcome to Coinbase! | 7 | Individual User Agreement Last updated: April 20, 2026 Welcome to Coinbase! |
| 8 | This is a User Agreement between you (also referred to herein as “ User, ” or “customer”) and Coinbase, Inc. | 8 | This is a User Agreement between you (also referred to herein as “User,” or “customer”) and Coinbase, Inc. |
| 9 | (" Coinbase, " “we,” “us,” and “our”). | 9 | ("Coinbase," “we,” “us,” and “our”). |
| 10 | This User Agreement (" Agreement " or “User Agreement” ) governs your use of the services provided by Coinbase described below and such other services that may be offered by Coinbase from time to time (" Coinbase Services " or " Services "). | 10 | This User Agreement ("Agreement" or “User Agreement”) governs your use of the services provided by Coinbase described below and such other services that may be offered by Coinbase from time to time ("Coinbase Services" or "Services"). |
| 11 | By signing up to use a Coinbase account or service through coinbase.com , Coinbase’s APIs, the Coinbase mobile application, or any other Coinbase website (collectively the " Coinbase Site "), or by obtaining, holding or using a wrapped token issued by Coinbase, you agree that you have read, understand, and accept all of the terms and conditions contained in this Agreement including our Privacy Policy , Cookie Policy , Prohibited Use Policy and E-Sign Disclosure and Consent Policy in Appendix 2. | 11 | By signing up to use a Coinbase account or service through coinbase.com , Coinbase’s APIs, the Coinbase mobile application, or any other Coinbase website (collectively the "Coinbase Site"), or by obtaining, holding or using a wrapped token or a Coinbase Custom Stablecoin issued by Coinbase, you agree that you have read, understand, and accept all of the terms and conditions contained in this Agreement including our Privacy Policy , Cookie Policy , Prohibited Use Policy and E-Sign Disclosure and Consent Policy in Appendix 2. |
| 412 | Colorado Division of Banking 1560 Broadway, Suite 975, Denver, CO 80202 Phone: 303-894-7575 Fax: 303-894-7570 E-mail: DORA_BankingWebsite@state.co.us District of Columbia If you have a complaint, please contact Coinbase, Inc. at 1-888-908-7930 or https://help.coinbase.com/en/contact-us . | 412 | Colorado Division of Banking 1560 Broadway, Suite 975, Denver, CO 80202 Phone: 303-894-7575 Fax: 303-894-7570 E-mail: DORA_BankingWebsite@state.co.us Connecticut Please note the following disclosures associated with virtual currency: WARNING: LOSSES DUE TO FRAUDULENT OR ACCIDENTAL TRANSACTIONS MAY NOT BE RECOVERABLE AND TRANSACTIONS IN VIRTUAL CURRENCY ARE IRREVERSIBLE. |
| 413 | Virtual currency is not backed or insured by the government and accounts and value balances are not subject to Federal Deposit Insurance Corporation, National Credit Union Administration or Securities Investor Protection Corporation protections. | ||
| 414 | Some virtual currency transactions shall be deemed to be made when recorded on a public ledger, which may not be the date or time when the customer initiates the virtual currency transaction The value of virtual currency may be derived from the continued willingness of market participants to exchange fiat currency for virtual currency, which may result in the permanent and total loss of the value of a particular virtual currency, if the market for that virtual currency disappears. | ||
| 415 | The volatility and unpredictability of the price of virtual currency relative to fiat currency may result in a significant loss over a short period of time. | ||
| 416 | Any bond maintained by Coinbase for the benefit of the customers of Coinbase may not be sufficient to cover all losses incurred by such customers. | ||
| 417 | Virtual currency transactions are irreversible and are used by persons seeking to defraud customers, including, but not limited to, a person impersonating a customer's loved one, threatening jail time, stating that a customer's identity has been stolen, insisting that a customer withdraw money from the customer's bank account and purchase cryptocurrency or alleging a customer's personal computer has been hacked. | ||
| 418 | If you have a complaint or questions, please contact Coinbase, Inc. | ||
| 419 | Support at 1-888-908-7930 or https://help.coinbase.com/en/contact-us . | ||
| 420 | If you still have an unresolved complaint regarding Coinbase, Inc. money transmission activity, you may submit a formal complaint via https://help.coinbase.com/en/contact-us/submit-a-complaint. | ||
| 421 | You may also contact the Connecticut Department of Banking at https://portal.ct.gov/dob/consumer/consumer-complaints/money-transmitter with any complaints. | ||
| 422 | District of Columbia If you have a complaint, please contact Coinbase, Inc. at 1-888-908-7930 or https://help.coinbase.com/en/contact-us . | ||
| 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 . | 955 | 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. |
| 956 | Direct Deposit 1. | ||
| 957 | Eligibility and Enrollment. | ||
| 958 | 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 . | ||
| 959 | 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. | ||
| 960 | The virtual account and routing number are provided solely to facilitate electronic receipt of payroll and eligible government payments into your Coinbase Account. | ||
| 961 | The virtual account and routing number do not represent a bank account in your name. | ||
| 962 | Coinbase does not make any representations about your employment status by enrollment in Direct Deposit. | ||
| 963 | The recipient's name on any direct deposits must match the name on your Coinbase Account. | ||
| 964 | Your first direct deposit may take 2–3 payroll cycles to begin, as determined by your employer, payroll provider or applicable government payor. | ||
| 965 | Please visit the Help Center for more details on enrolling in direct deposit. 1.2. Payment Partners . | ||
| 966 | Direct deposits are processed via the Automated Clearing House (ACH) network. | ||
| 967 | Coinbase utilizes regulated financial institutions and third‑party payment processors (“Payment Partners”) to receive and process your direct deposit. | ||
| 968 | 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. | ||
| 969 | Allocation and Conversion to Digital Assets . | ||
| 970 | You may elect to convert some or all of your direct deposit funds into a Supported Digital Asset. | ||
| 971 | Not all Supported Digital Assets are available for Direct Deposit. | ||
| 972 | 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. | ||
| 973 | You can change your allocations at any time. | ||
| 974 | Digital assets can appreciate or depreciate relative to US dollars (“USD”) and are not insured by the Federal Deposit Insurance Corporation (FDIC). | ||
| 975 | Please visit the Help Center for more information, including how USD balances are insured. 3. | ||
| 976 | Fees . | ||
| 977 | 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. | ||
| 978 | A spread may still apply to Digital Asset conversions. | ||
| 979 | You are responsible for any fees incurred on subsequent transactions (see pricing and fee disclosures for more information). 4. | ||
| 980 | Funds Availability . | ||
| 981 | The availability of your Direct Deposit funds is subject to the timing of your payer’s funding processes. | ||
| 982 | 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. | ||
| 983 | Availability is not guaranteed and may vary by payer, third-party payroll provider used by your payer, and payroll schedule. | ||
| 984 | Deposits may be delayed for federal or bank holidays or other processing delays that are out of our control. 5. | ||
| 985 | Transfer Limits . | ||
| 986 | We may, at our sole discretion, set limits or restrictions on the size or number of direct deposit transactions you can make. | ||
| 987 | You can find the initial limits for Direct Deposit in the Help Center . | ||
| 988 | We reserve the right to accept, reject or limit transfers via Direct Deposit in our sole discretion. 6. | ||
| 989 | Reversals and Returns . | ||
| 990 | 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. | ||
| 991 | Transaction History . | ||
| 992 | You may review your transaction history on the Coinbase app to verify that each direct deposit has been received. 8. | ||
| 993 | Modifications and Cancellation . | ||
| 994 | 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. | ||
| 995 | 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. | ||
| 996 | 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. | ||
| 997 | Personal Information . | ||
| 998 | 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. | ||
| 999 | Termination . | ||
| 1000 | We reserve the right to terminate your access to Direct Deposit, including the ability to access Direct Deposit funds early, for any reason. 11. | ||
| 1001 | Representations and Warranties . | ||
| 1002 | 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. | ||
| 1003 | For joint tax returns, the first‑listed filer must be the Coinbase Account holder. 13. | ||
| 1004 | Coinbase Custom Stablecoins 13.1. Using Coinbase Custom Stablecoins. | ||
| 1005 | In some jurisdictions, Coinbase may make available to you the ability to mint (which may be displayed as ‘buy’), redeem (which may be displayed as ‘sell’), hold, or transfer certain Digital Assets that are issued by Coinbase or its affiliates but bear the branding of third-party partners (each, a “CCS Partner”) (such Digital Assets, “CCS”). | ||
| 1006 | Each CCS is designed to be backed one-to-one by USDC (“Reserve Asset”). | ||
| 1007 | To mint or redeem a CCS, you will need to be a Coinbase customer with a Coinbase Account in good standing. | ||
| 1008 | Additional geographic restrictions may apply, and eligibility is subject to change. | ||
| 1009 | By electing to mint a CCS, you understand and agree that: 13.1.1. Each CCS represents an ownership interest in a corresponding Reserve Asset held by Coinbase in accordance with, and subject to the conditions set forth in Section 12.1.3 of this Appendix 4. | ||
| 1010 | By obtaining a CCS, you remain (for so long as you hold the CCS) entitled to all of the economic value and risk of the underlying Reserve Asset. 13.1.2. Selling or otherwise transferring a CCS automatically transfers ownership of an underlying Reserve Asset and the right to redeem described in Section 12.3 below, and entitles the recipient to the attendant economic value and risk of the Reserve Asset, subject to the terms of this Agreement. 13.1.3. The Reserve Asset backing a CCS is held by Coinbase as a custodial asset for the benefit of holders of such CCS, and ownership of and title to these assets shall remain with the holders and not transfer to Coinbase. | ||
| 1011 | Section 2.7, 2.7.1, 2.7.2, 2.7.3 and 2.7.4 of the User Agreement shall apply, mutatis mutandis, to any Reserve Asset held on behalf of holders of a corresponding CCS to the same extent as any Reserve Asset held by Coinbase on behalf of Coinbase customers. 13.1.4. CCS are ERC-20 and/or SPL tokens and may be compatible with protocols or other software or technology provided by third parties. 13.2. Certain Risks. | ||
| 1012 | In addition, you understand, agree and accept the following risks associated with electing to mint, redeem, hold, or transfer any CCS: 13.2.1 CCS is not legal tender and is not backed by any government. | ||
| 1013 | CCS is not subject to protections or insurance provided by the Federal Deposit Insurance Corporation (FDIC) or the Securities Investor Protection Corporation (SIPC). 13.2.2. Coinbase does not guarantee the value of a Reserve Asset held on behalf of holders of a corresponding CCS. 13.2.3. Coinbase is not responsible for any change in the value of a Reserve Asset held on behalf of holders of a corresponding CCS. 13.2.4. The external price of a CCS could diverge from the price of a corresponding Reserve Asset because of market fluctuations or CCS Partner-specific risks. | ||
| 1014 | In case of a significant price dislocation, Coinbase may exercise its right to pause redemptions in accordance with Section 12.3.2 of this Appendix 4. 13.2.5. Coinbase does not guarantee that obtaining a CCS will result in a successful exchange or sale of such CCS, and Coinbase will not have any obligation to backstop or otherwise intervene to guarantee liquidity of such CCS. 13.2.6. Coinbase does not guarantee the security or functionality of any protocol, software, or technology intended to be compatible with a CCS and is not responsible for any losses due to the failure of any such protocol, software or technology. 13.2.7. As with protocols for other Digital Assets, Coinbase does not own or control the underlying protocols which govern the operation of any CCS. | ||
| 1015 | Accordingly, all CCS are subject to Section 2.6 of the User Agreement, like other Digital Assets. 13.2.8. As with other Digital Assets, a CCS could be impacted by one or more regulatory actions, which could impede or limit the services we can provide with respect to such CCS. 13.2.9. Coinbase does not guarantee the reputation, solvency or business continuity of the CCS Partner associated with a CCS. | ||
| 1016 | You acknowledge and agree that the value and utility of a CCS may be influenced by the actions, omissions, or public perception of the CCS Partner. | ||
| 1017 | Coinbase is not responsible for any decrease in the value or utility of a CCS. 13.2.10. | ||
| 1018 | Coinbase does not guarantee that a CCS will be accepted, recognized, or utilized for any specific goods, services, or ecosystem benefits. | ||
| 1019 | Coinbase is not responsible for any change in the utility associated with a CCS. 13.2.11. | ||
| 1020 | Coinbase reserves the right to terminate or suspend its arrangement with a CCS Partner or delist a CCS at any time. | ||
| 1021 | In such an event, Coinbase may provide you with a period of time to convert your CCS into the underlying Reserve Asset or another Supported Digital Asset, as determined by Coinbase. 13.3. Redemption of a CCS 13.3.1. To successfully redeem CCS, you will need to be a Coinbase customer with a Coinbase Account in good standing. | ||
| 1022 | Additional geographic restrictions may apply, and eligibility is subject to change. | ||
| 1023 | Requests to redeem CCS (which, for the avoidance of doubt, will result in Coinbase converting such CCS and depositing the corresponding Reserve Asset to your Digital Asset Wallet on a 1:1 basis, minus any Coinbase fees) may not be processed immediately. 13.3.2. Additionally, Coinbase may, in our reasonable discretion, (i) pause redemptions of any CCS for a corresponding Reserve Asset if there is a significant dislocation in the external market price of such CCS relative to a corresponding Reserve Asset that, in Coinbase’s sole discretion, suggests that the smart contracts or other technology or security features supporting such CCS have been compromised, (ii) refuse a redemption request if we suspect that the CCS being presented for redemption was acquired through fraudulent means, (iii) pause redemption if we otherwise suspect that the security of the smart contracts used to mint and burn the applicable CCS has been compromised, or (iv) refuse a redemption request if the arrangement with the CCS Partner has been terminated or suspended, or the CCS has been delisted. 13.3.3. Pursuant to the terms of this Agreement, a holder of a CCS holds an ownership interest in a corresponding Reserve Asset custodied by Coinbase in accordance with Section 12.1.3 above. | ||
| 1024 | In the event of a shortfall in the amount of the Reserve Asset held by Coinbase, Coinbase’s liability vis-a-vis any holder of such CCS will be limited to such holder’s pro rata share of the shortfall amount. 13.4. Additional Terms 13.4.1. Coinbase may charge a fee in connection with a request to mint or redeem a CCS, and any such fee will be disclosed to you at the time you initiate such request. | ||
| 1025 | Any changes to such fees will be effectuated in accordance with Section 3.3 of the User Agreement. 13.4.2. We reserve the right to treat any version of a CCS that has been created by a third party (e.g., via a third party wrapper or bridge to an unsupported network) (“Third Party Wrapped CCS”) as an unsupported Digital Asset in accordance with Section 2.3 of the User Agreement. | ||
| 1026 | This means that we may refuse or be unable to redeem any Third Party Wrapped CCS that is sent to your Digital Asset Wallet for the corresponding Reserve Asset, which may result in irreversible loss of such Third Party Wrapped CCS. | ||
| 1027 | Do not send Third Party Wrapped CCS to your Digital Asset Wallet. 13.4.3. Coinbase reserves the right to upgrade the CCS smart contracts at any time. | ||
| 1028 | In such event, we may require you to migrate your CCS to a new smart contract address. | ||
| 1029 | Coinbase may take any technical steps necessary or appropriate to effectuate such upgrades for CCS held in your Digital Asset Wallet. 13.4.4. You understand and agree that the underlying software protocols may be subject to sudden changes in operating rules (including “forks”). | ||
| 1030 | In the event of a fork, Coinbase may temporarily suspend CCS operations (including minting, redeeming, and transferring) without notice. | ||
| 1031 | Coinbase will determine in its sole discretion which version of the underlying protocol to support, if any. 13.4.5. Coinbase may freeze the CCS held in a Digital Asset wallet address as required by law or any court or other authority to which Coinbase is subject in any jurisdiction. 13.4.6. If the CCS in your Digital Asset wallet address is frozen in accordance with Section 12.4.5 of this Appendix 4, you may be permanently unable to transfer or redeem any CCS associated with such address. | ||
| 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 | 1704 | 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 Coinbase Custom Stablecoins 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 Share |
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