Coinbase User Agreement

This document is the Coinbase User Agreement governing access to and use of Coinbase's cryptocurrency trading, custody, staking, and related financial services for United States users, operating under applicable U.S. federal and state money transmission, financial services, and consumer protection frameworks. The agreement states that users grant Coinbase broad authorization to execute transactions on their behalf, that Coinbase acts as agent for certain services, that the terms authorize Coinbase to suspend or terminate accounts with or without notice under specified conditions, and that users are subject to transaction fees, spread-based pricing, and other charges disclosed in a separate fee schedule. The agreement includes a mandatory arbitration clause with a class action waiver and a 30-day opt-out window, a unilateral right to modify terms with notice, and provisions authorizing Coinbase to hold, use, and manage digital assets in ways that may affect user access during periods of platform operational issues or insolvency. The document engages the Bank Secrecy Act, FinCEN money services business regulations, applicable state money transmission licensing requirements, and CFPB jurisdiction over certain payment and consumer financial product provisions; the applicability and enforceability of specific clauses, particularly the arbitration and class action waiver provisions, may vary by jurisdiction and are subject to applicable consumer protection law. California residents and residents of other states with heightened consumer financial protection regimes face distinct exposure under several provisions, and the agreement's treatment of digital asset custody in bankruptcy or insolvency contexts warrants independent legal evaluation.