Coinbase Fee Schedule

This document is Coinbase's publicly disclosed fee schedule for cryptocurrency trading and related services on Coinbase.com, operating under Coinbase's User Agreement and applicable financial services regulations. The document states that transaction fees are calculated based on the greater of a flat fee or a percentage of the order amount, with percentage fees varying by payment method, and the terms authorize Coinbase to include a spread in the price of cryptocurrency transactions in addition to stated transaction fees. The fee schedule discloses that payment method selection materially affects the total cost of a transaction, with bank account and Coinbase USD Wallet purchases carrying lower fees than debit card or PayPal purchases, and the document notes that fees are displayed at the time of transaction but does not specify a mechanism for advance notice of fee changes. The document engages FinCEN registration requirements and state money transmission licensing frameworks applicable to Coinbase as a registered Money Services Business, and the fee structures described interact with CFPB oversight of payment products and FTC consumer protection standards regarding fee transparency and disclosure. Material compliance considerations include the adequacy of spread disclosure relative to FTC unfair or deceptive acts or practices standards and the consistency of fee presentation with state-level consumer financial protection requirements, which vary by jurisdiction.