230 Total

Key Facts · in the document’s own words

How must disputes between users and Coinbase be resolved?
“APPENDIX 5 INCLUDES AN AGREEMENT TO ARBITRATE WHICH REQUIRES, WITH LIMITED EXCEPTIONS, THAT ALL DISPUTES BETWEEN YOU AND US SHALL BE RESOLVED BY BINDING AND FINAL ARBITRATION.”
Version CA-V-007245, captured Oct. 1, 2026 · live source ↗
Our reading, not the document’s words
Coinbase requires that, with limited exceptions, all disputes between users and Coinbase be resolved by binding and final arbitration.
What does Coinbase require regarding a business user's company and applicable laws, rules, and regulations?
“your company shall remain in full compliance with all applicable laws, rules, and regulations in each jurisdiction in which your company operates or otherwise uses the Services, including U.S. securities laws and regulations, as well as any applicable state and federal laws, including with applicable AML, anti-terrorist, anti-bribery/corruption, and Sanctions Regime laws...”
Version CA-V-007245, captured Oct. 1, 2026 · live source ↗
Our reading, not the document’s words
Coinbase requires that a business user's company remain in full compliance with all applicable laws, rules, and regulations in each jurisdiction where the company operates or uses the Services, including U.S. securities laws and AML, anti-terrorist, anti-bribery/corruption, and Sanctions Regime laws.
What cannot users cancel, reverse, or change?
“You cannot cancel, reverse, or change any transaction marked as complete or pending.”
Version CA-V-007245, captured Oct. 1, 2026 · live source ↗
Our reading, not the document’s words
Coinbase establishes that users cannot cancel, reverse, or change any transaction marked as complete or pending.
What does Coinbase's agreement in Appendix 5 contain?
“APPENDIX 5 ALSO CONTAINS A CLASS ACTION AND JURY TRIAL WAIVER. PLEASE READ SECTION 7 AND APPENDIX 5 CAREFULLY.”
Version CA-V-007245, captured Oct. 1, 2026 · live source ↗
Our reading, not the document’s words
Coinbase's agreement in Appendix 5 contains a class action and jury trial waiver.
How must each party bring claims against the other?
“You and Coinbase agree that, except as specified in the Batch Arbitration Provision set forth above, each of us may bring claims against the other only on an individual basis and not on a class, representative, or collective basis or as part of a mass action (such as a mass arbitration), and the parties hereby waive all rights to bring or to participate in such actions...”
Version CA-V-007245, captured Oct. 1, 2026 · live source ↗
Our reading, not the document’s words
Coinbase requires that each party bring claims against the other only on an individual basis and not on a class, representative, collective, or mass action basis, and both parties waive all rights to bring or participate in such actions.
What may Coinbase refuse to do in its sole discretion?
“We may, in our sole discretion, refuse to open a Coinbase Account, suspend or terminate any Coinbase Account, suspend or terminate the sending of Digital Assets from your account...”
Version CA-V-007245, captured Oct. 1, 2026 · live source ↗
Our reading, not the document’s words
Coinbase may, in its sole discretion, refuse to open a Coinbase Account, suspend or terminate any Coinbase Account, or suspend or terminate the sending of Digital Assets from a user's account.
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Summary
Generated by a model from the captured document; not read by a person

This agreement sets the rules for using Coinbase's services and gives Coinbase wide authority to suspend or close your account at any time, for any reason, without notice. Almost all disputes must go through individual binding arbitration — you cannot sue Coinbase in court as part of a class action or demand a jury trial. Your Digital Assets are not insured by the government, and once a transaction is marked complete or pending, you cannot undo it.

Analysis

The Coinbase User Agreement establishes the terms under which Coinbase provides digital asset services, setting out Coinbase's broad discretionary powers to refuse, suspend, terminate, or restrict accounts and services with immediate effect and for any reason at its sole discretion. The agreement imposes on business users an extensive, ongoing compliance obligation spanning all applicable laws across every jurisdiction of operation, including AML, anti-terrorist, anti-bribery, and sanctions regimes. Users are bound by a binding arbitration requirement with a class action waiver, a collective/representative action waiver, and a jury trial waiver, limiting dispute resolution to individual arbitration proceedings in nearly all cases. Coinbase's liability is capped at the value of Supported Digital Assets in a user's Digital Asset Wallet at the time of the triggering event, and Coinbase expressly excludes liability for lost profits, reputational harm, data loss, diminution in value, and loss of business opportunity. Users must acknowledge that Digital Assets carry no FDIC or SIPC protection, and completed or pending transactions cannot be cancelled, reversed, or modified.

What this means for you

As an individual user, you cannot cancel, reverse, or change any transaction Coinbase marks as complete or pending, eliminating a standard remedy for errors. Your account or access to services can be suspended or terminated immediately, for any reason, at Coinbase's sole discretion, with no contractual guarantee of continued access. Your Digital Assets are not covered by FDIC or SIPC insurance, meaning you bear the full risk of loss. If you have a dispute with Coinbase, you must pursue it individually through binding arbitration — you cannot join a class action or have a jury decide your case. Coinbase's financial liability to you is limited to the value of Supported Digital Assets in your wallet at the moment the dispute-triggering event occurred, and Coinbase will not compensate you for lost profits, data loss, reputational harm, or loss of business opportunity. If you wish to understand what limited exceptions to arbitration exist, reviewing those exceptions in the agreement is the specific action available to you.

Institutional Analysis
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6 important changes detected

15 versions captured · Latest change detected by ConductAtlas: October 2026

What changed Coinbase revised its state-by-state money transmission licensing disclosures in its User Agreement. The updated terms add a new Indiana section stating that Coinbase holds a Money Transmitter license from the Indiana Department of Financial Institutions, but explicitly note that this license does not cover virtual currency transactions. The terms also modify the Nevada disclosure, changing the regulatory body reference from the Nevada Department of Business and Industry to the Nevada Financial Institutions Division, and replace the prior statement that Nevada does not license virtual currency services with new contact information for consumer assistance and complaint procedures.
Why this matters The updated terms clarify Coinbase's state-level money transmission licensing status. The new Indiana disclosure states that Coinbase holds a Money Transmitter license from the Indiana Department of Financial Institutions, but explicitly notes that this license does not cover virtual currency transactions. The Nevada section now directs consumers to contact the Nevada Financial Institutions Division for questions or complaints regarding money transmission services, replacing the prior statement that Nevada does not license virtual currency services.
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What changed Coinbase expanded the circumstances under which it can liquidate user assets to cover losses. Previously, the agreement authorized liquidation only if you failed to pay for securities purchased or failed to deliver securities sold through Coinbase Crypto Markets (CCM). The updated language adds a third trigger: if a transfer of securities into your CCM account fails or is reversed. This means Coinbase can now use your property to cover losses resulting from failed or reversed inbound transfers, in addition to your own payment or delivery failures.
Why this matters The updated terms expand Coinbase's authority to liquidate your assets without notice. Previously, Coinbase could liquidate your property only if you failed to pay for securities you purchased or failed to deliver securities you sold through CCM. The revised language adds a new trigger: if a transfer of securities into your CCM account fails or is reversed, Coinbase can now liquidate your property to cover any losses CCM suffers as a result. This means your assets may be liquidated for reasons beyond your direct control, such as a failed inbound transfer initiated by a third party or a reversal by the sending institution.
View full change record →

July 23, 2026 high

Coinbase updated its terms to define and authorize 'Coinbase Supported Migrations,' a process by which Coinbase can automatically transfer your digital assets to a newer version when the underlying protocol …

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July 7, 2026 low

Coinbase replaced its Colorado money transmitter notice with a comprehensive California-specific disclosure section. The new language adds fee caps (maximum $10 for transactions under $200, maximum 6% for larger transactions), …

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June 9, 2026 low

Coinbase added a new section to its User Agreement governing third-party liquid staking tokens (Third-Party LSTs). The updated terms explain how users can wrap staked assets into these tokens and …

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March 10, 2026 medium

Coinbase added a new Direct Deposit feature to its User Agreement, effective March 9, 2026. The feature allows eligible users to deposit paychecks and government benefits directly into their Coinbase …

View change record →
Clauses withheld

We withheld clauses we had published from this document. Each withholding is recorded in our correction log:

Featured provisions
Generated by a model from the captured document; not read by a person

Complete Provision Index

Every distinct legal provision identified in this document. Featured provisions appear above with analysis.

230 provisions
12 featured
22 clause types
General Contract Terms 56
Show all 56 general contract terms provisions
Liability Limitation 37
Show all 37 liability limitation provisions
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Related Analysis

Consumer Rights · April 14, 2026
Coinbase Requires Mandatory Arbitration. You Have 30 Days to Opt Out.

Coinbase's User Agreement includes a mandatory arbitration clause that most users may not have reviewed. Here is what the clause states and…

Archival ProvenanceSource & Archival Record
This version captured October 1, 2026 00:11 UTC
Last successful capture October 14, 2026 00:10 UTC
Date stated by the document July 22, 2026 (as printed in this version)
Capture Method Automated scheduled archival capture
Document ID CA-D-000047
Version ID CA-V-007245
SHA-256 (extracted text, extractor v5) 6b61733130e79c7bce57b6b62ccd00adecb9385905e377b4a92dde6ad0ae5bb7
Archived bytes SHA-256 (anchor) e8bc92e82c844e8a4aa6bf22245fca7834939d1918ad96c0d69bf91df5fb5f62
✓ Snapshot stored ✓ Archived bytes anchored (verified Oct. 1, 2026)

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