This analysis describes what Coinbase's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
A forced collateral sale — already a financially adverse event — carries an additional 2% flat fee on the full transaction, increasing the user's cost.
Interpretive note: The canonical claim omits the conditions triggering the fee (USD loan from Coinbase or affiliate, authorization under a loan agreement) to satisfy the single-proposition rule; these are recorded in omitted_material.
The updated fee schedule removes the pre-published 1% fee for instant unstaking and instead discloses the fee only at the moment a user requests to unstake. This means users can no longer review the exact cost before initiating a transaction through the published schedule. The revision also explicitly includes converting a pending standard unstake to an instant unstake as a fee-triggering action. No fee continues to apply if a user waits for the full unbonding period.
View change record →If Coinbase sells your BTC collateral, you will be charged a flat 2% fee calculated on the total transaction amount.
How other platforms handle this
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"If you borrow USD from Coinbase or an affiliate of Coinbase and we have to sell your BTC collateral (as authorized under an applicable loan agreement), we will charge a flat fee of 2% of the total transaction.Excerpt from Coinbase's Fee Schedule
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A forced collateral sale — already a financially adverse event — carries an additional 2% flat fee on the full transaction, increasing the user's cost.
If Coinbase sells your BTC collateral, you will be charged a flat 2% fee calculated on the total transaction amount.
ConductAtlas has identified this type of provision across 231 platforms. See the full comparison.
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