| Not sure which one applies to you? | | Not sure which one applies to you? |
| If you're using Coinbase as an individual — including buying, selling, or tradin | | If you're using Coinbase as an individual — including buying, selling, or tradin |
| g crypto for yourself — the Individual User Agreement applies. If you are an aut | | g crypto for yourself — the Individual User Agreement applies. If you are an aut |
| horized representative of a company which is using Coinbase for commercial, busi | | horized representative of a company which is using Coinbase for commercial, busi |
| ness purposes your activities are subject to our Coinbase Business User Agreemen | | ness purposes your activities are subject to our Coinbase Business User Agreemen |
| t. Still unsure? Read our quick guide to help you determine which agreement fits | | t. Still unsure? Read our quick guide to help you determine which agreement fits |
| your situation. Regardless of which agreement applies to you, you are bound to | | your situation. Regardless of which agreement applies to you, you are bound to |
| an arbitration agreement, jury trial waiver, and class action waiver. Please rev | | an arbitration agreement, jury trial waiver, and class action waiver. Please rev |
| iew the terms carefully and contact Coinbase Support if you have questions. | | iew the terms carefully and contact Coinbase Support if you have questions. |
| Individual User Agreement | | Individual User Agreement |
| n | Last updated: January 27, 2026 | n | Last updated: March 9, 2026 |
| Welcome to Coinbase! This is a User Agreement between you (also referred to here | | Welcome to Coinbase! This is a User Agreement between you (also referred to here |
| in as “User,” or “customer”) and Coinbase, Inc. ("Coinbase," “we,” “us,” and “ou | | in as “User,” or “customer”) and Coinbase, Inc. ("Coinbase," “we,” “us,” and “ou |
| r”). This User Agreement ("Agreement" or “User Agreement”) governs your use of t | | r”). This User Agreement ("Agreement" or “User Agreement”) governs your use of t |
| he services provided by Coinbase described below and such other services that ma | | he services provided by Coinbase described below and such other services that ma |
| y be offered by Coinbase from time to time ("Coinbase Services" or "Services"). | | y be offered by Coinbase from time to time ("Coinbase Services" or "Services"). |
| By signing up to use a Coinbase account or service through coinbase.com, Coinbas | | By signing up to use a Coinbase account or service through coinbase.com, Coinbas |
| e’s APIs, the Coinbase mobile application, or any other Coinbase website (collec | | e’s APIs, the Coinbase mobile application, or any other Coinbase website (collec |
| tively the "Coinbase Site"), or by obtaining, holding or using a wrapped token i | | tively the "Coinbase Site"), or by obtaining, holding or using a wrapped token i |
| ssued by Coinbase, you agree that you have read, understand, and accept all of t | | ssued by Coinbase, you agree that you have read, understand, and accept all of t |
| he terms and conditions contained in this Agreement including our Privacy Policy | | he terms and conditions contained in this Agreement including our Privacy Policy |
| , Cookie Policy, Prohibited Use Policy and E-Sign Disclosure and Consent Policy | | , Cookie Policy, Prohibited Use Policy and E-Sign Disclosure and Consent Policy |
| in Appendix 2. You may have to agree to additional terms and conditions to use c | | in Appendix 2. You may have to agree to additional terms and conditions to use c |
| ertain Additional Services (as defined below). | | ertain Additional Services (as defined below). |
| Important Definitions: As used throughout this Agreement, the following terms ha | | Important Definitions: As used throughout this Agreement, the following terms ha |
| ve the following meanings. | | ve the following meanings. |
| “Digital Asset” means any digital asset (including a virtual currency or virtual | | “Digital Asset” means any digital asset (including a virtual currency or virtual |
| commodity) which is a digital representation of value based on (or built on top | | commodity) which is a digital representation of value based on (or built on top |
| of) a cryptographic protocol of a computer network. | | of) a cryptographic protocol of a computer network. |
| You represent and warrant that you are not, and have not been, designated by the | | You represent and warrant that you are not, and have not been, designated by the |
| U.S. Department of the Treasury Office of Foreign Assets Control (OFAC) as a “S | | U.S. Department of the Treasury Office of Foreign Assets Control (OFAC) as a “S |
| pecially Designated National” or blocked person. You further represent and warra | | pecially Designated National” or blocked person. You further represent and warra |
| nt that you have no reason to believe that you would be considered a blocked per | | nt that you have no reason to believe that you would be considered a blocked per |
| son, and that you are not acting as an agent of any such blocked person. You und | | son, and that you are not acting as an agent of any such blocked person. You und |
| erstand that Coinbase and CCM will comply with economic sanctions administered b | | erstand that Coinbase and CCM will comply with economic sanctions administered b |
| y OFAC. You understand and agree that Coinbase may restrict your ability to ente | | y OFAC. You understand and agree that Coinbase may restrict your ability to ente |
| r orders or otherwise transact in your account in order to comply with regulator | | r orders or otherwise transact in your account in order to comply with regulator |
| y restrictions, trading halts, government sanctions, and government orders. | | y restrictions, trading halts, government sanctions, and government orders. |
| 11.8. Information Disclosure. By using the equities trading platform, you acknow | | 11.8. Information Disclosure. By using the equities trading platform, you acknow |
| ledge that Coinbase may share certain information as required and in accordance | | ledge that Coinbase may share certain information as required and in accordance |
| with our Privacy Policy. Furthermore, by submitting an account application with | | with our Privacy Policy. Furthermore, by submitting an account application with |
| CCM, you authorize Coinbase to provide information about you and your account to | | CCM, you authorize Coinbase to provide information about you and your account to |
| the carrying broker, as required and necessary, and the carrying broker in its | | the carrying broker, as required and necessary, and the carrying broker in its |
| discretion may obtain your account documentation directly from you. | | discretion may obtain your account documentation directly from you. |
| 11.9. Prohibited Use. You agree to not to engage in manipulative or deceptive tr | | 11.9. Prohibited Use. You agree to not to engage in manipulative or deceptive tr |
| ading practices, as outlined in the CCM Customer Agreement, Section 15.3, a copy | | ading practices, as outlined in the CCM Customer Agreement, Section 15.3, a copy |
| of which can be found at https://coinbase.com/ccm. | | of which can be found at https://coinbase.com/ccm. |
| n | | n | 12. Direct Deposit |
| | | 1. Eligibility and Enrollment. |
| | | 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 pay |
| | | check or any eligible federal or state government benefit or payment deposited i |
| | | nto your Coinbase Account. |
| | | 1.1. Enrollment. You can enroll in Direct Deposit by providing your employer, pa |
| | | yroll provider or applicable government payer with the virtual account and routi |
| | | ng numbers we provide to you. The virtual account and routing number are provide |
| | | d solely to facilitate electronic receipt of payroll and eligible government pay |
| | | ments into your Coinbase Account. The virtual account and routing number do not |
| | | represent a bank account in your name. Coinbase does not make any representation |
| | | s about your employment status by enrollment in Direct Deposit. The recipient's |
| | | name on any direct deposits must match the name on your Coinbase Account. Your f |
| | | irst direct deposit may take 2–3 payroll cycles to begin, as determined by your |
| | | employer, payroll provider or applicable government payor. Please visit the Help |
| | | Center for more details on enrolling in direct deposit. |
| | | 1.2. Payment Partners. Direct deposits are processed via the Automated Clearing |
| | | House (ACH) network. Coinbase utilizes regulated financial institutions and thir |
| | | d‑party payment processors (“Payment Partners”) to receive and process your dire |
| | | ct deposit. By using Direct Deposit, you authorize Coinbase and its Payment Part |
| | | ners to act as the receiving institution for your ACH credit entries under the N |
| | | ACHA Operating Rules and applicable law. |
| | | 2. Allocation and Conversion to Digital Assets. You may elect to convert some or |
| | | all of your direct deposit funds into a Supported Digital Asset. Not all Suppor |
| | | ted Digital Assets are available for Direct Deposit. Each conversion is a purcha |
| | | se of the Supported Digital Asset at the price at the time of conversion on Coin |
| | | base, and you authorize recurring purchases according to your allocations. You c |
| | | an change your allocations at any time. Digital assets can appreciate or depreci |
| | | ate relative to US dollars (“USD”) and are not insured by the Federal Deposit In |
| | | surance Corporation (FDIC). Please visit the Help Center for more information, i |
| | | ncluding how USD balances are insured. |
| | | 3. Fees. We do not charge any fees to set up or maintain Direct Deposit and we w |
| | | ill waive the Coinbase trading fees on Digital Asset conversions associated with |
| | | Direct Deposit. A spread may still apply to Digital Asset conversions. You are |
| | | responsible for any fees incurred on subsequent transactions (see pricing and fe |
| | | e disclosures for more information). |
| | | 4. Funds Availability. The availability of your Direct Deposit funds is subject |
| | | to the timing of your payer’s funding processes. Funds transferred via Direct De |
| | | posit will typically be available 3-5 business days (excluding Federal holidays) |
| | | from the day your payer initiated the deposit, or sometimes sooner. Availabilit |
| | | y is not guaranteed and may vary by payer, third-party payroll provider used by |
| | | your payer, and payroll schedule. Deposits may be delayed for federal or bank ho |
| | | lidays or other processing delays that are out of our control. |
| | | 5. Transfer Limits. We may, at our sole discretion, set limits or restrictions o |
| | | n the size or number of direct deposit transactions you can make. You can find t |
| | | he initial limits for Direct Deposit in the Help Center. We reserve the right to |
| | | accept, reject or limit transfers via Direct Deposit in our sole discretion. |
| | | 6. Reversals and Returns. 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 su |
| | | bsequent direct deposit). |
| | | 7. Transaction History. You may review your transaction history on the Coinbase |
| | | app to verify that each direct deposit has been received. |
| | | 8. Modifications and Cancellation. You may make changes to your direct deposit a |
| | | mount or discontinue participating Direct Deposit at any time by submitting chan |
| | | ges through your payroll provider or payer. Changes become effective only when p |
| | | rocessed by your payer and received by our Payment Partner, and typically take o |
| | | ne to two payroll cycles to take effect. Coinbase does not control your payer’s |
| | | processing timelines and is not responsible for delays or missed deposits result |
| | | ing from changes made with your payer. |
| | | 9. Personal Information. You agree that we may share personal information you pr |
| | | ovided to us under our Privacy Policy with service providers and Payment Partner |
| | | s to verify identity and address, process deposits, manage risk, and comply with |
| | | law. |
| | | 10. Termination. We reserve the right to terminate your access to Direct Deposit |
| | | , including the ability to access Direct Deposit funds early, for any reason. |
| | | 11. Representations and Warranties. For tax refunds and other federal payments, |
| | | you represent and warrant that the name and Social Security Number associated wi |
| | | th each payment will match the name and Social Security Number associated with y |
| | | our Coinbase Account. For joint tax returns, the first‑listed filer must be the |
| | | Coinbase Account holder. |
| APPENDIX 5: DISPUTE RESOLUTION (INCLUDING ARBITRATION AGREEMENT; CLASS ACTION WA | | APPENDIX 5: DISPUTE RESOLUTION (INCLUDING ARBITRATION AGREEMENT; CLASS ACTION WA |
| IVER; JURY TRIAL WAIVER; FORUM SELECTION CLAUSE) | | IVER; JURY TRIAL WAIVER; FORUM SELECTION CLAUSE) |
| Disputes Defined. “Disputes” are defined as any dispute, claim, or disagreement | | Disputes Defined. “Disputes” are defined as any dispute, claim, or disagreement |
| arising out of or relating in any way to our relationship with you, the Services | | arising out of or relating in any way to our relationship with you, the Services |
| , the Coinbase Site, any Communications you receive, any products or services so | | , the Coinbase Site, any Communications you receive, any products or services so |
| ld or distributed through the Coinbase Site, or the User Agreement. The term “Di | | ld or distributed through the Coinbase Site, or the User Agreement. The term “Di |
| sputes” is intended to be interpreted broadly. The provisions below describe whi | | sputes” is intended to be interpreted broadly. The provisions below describe whi |
| ch Disputes belong in arbitration, small claims court, or a court of general jur | | ch Disputes belong in arbitration, small claims court, or a court of general jur |
| isdiction. | | isdiction. |
| Pre-Filing Formal Complaint Requirement. Before an arbitration demand or small c | | Pre-Filing Formal Complaint Requirement. Before an arbitration demand or small c |
| laims action is filed, you and we agree to exhaust the Formal Complaint Process. | | laims action is filed, you and we agree to exhaust the Formal Complaint Process. |
| See Section 7.1, above. | | See Section 7.1, above. |