Coinbase always charges whichever is higher between a fixed dollar fee and a percentage-based fee for your transaction — you never pay the lower of the two options.
This provision makes explicit the mathematical methodology for calculating which fee applies, which is essential for consumer understanding of how fees are determined.
View full change record →This calculation methodology systematically ensures consumers pay the highest possible fee applicable to their transaction size and payment method, and the dual-calculation structure makes it difficult to anticipate total costs without reviewing the full fee table before each trade.
Cross-platform context
See how other platforms handle Greater-Of Fee Calculation Methodology and similar clauses.
Compare across platforms →The 'greater of' calculation ensures consumers always pay the maximum applicable fee, and the complexity of comparing two different calculations can make it difficult for consumers to predict their exact cost before trading.
REGULATORY FRAMEWORK: The 'greater of' fee calculation implicates FTC Act Section 5 unfair or deceptive practices standards, specifically the FTC's guidance on pricing clarity in digital commerce (FTC Report 'Bringing Dark Patterns to Light,' 2022); CFPB UDAAP authority under Dodd-Frank Section 1031; and Dodd-Frank Section 1032 clear disclosure requirements. State UDAP statutes in California (Cal. Bus. & Prof. Code § 17200) and New York (NY GBL § 349) provide additional enforcement bases.
Compliance intelligence locked
Regulatory citations, enforcement risk, and due diligence action items.
Watcher: regulatory citations. Professional: full compliance memo.