The agreement authorizes Coinbase to adjust its pricing and fees at any time, with a 30-day advance notice obligation limited to states where such notice is required by applicable law. Fees include both explicit transaction fees and a spread, which is a margin over the prevailing market rate that is not separately disclosed in transaction history records.
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
This provision establishes that the fee modification notice obligation is jurisdiction-dependent rather than a universal user protection, meaning users in states without statutory advance notice requirements may not receive prior notification of fee changes. The agreement separately discloses that transaction history records exclude spread or margin from the fee line items displayed.
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 change record →The updated terms authorize Coinbase to automatically transfer your digital assets to a newer protocol version when an 'Asset Transformation' occurs, and you are now instructing Coinbase to conduct these 'Coinbase Supported Migrations' at Coinbase's sole discretion. The terms also establish that Coinbase shall not be liable for any loss resulting from your inability to transfer assets during a migration or from an Asset Transformation itself. This means Coinbase can execute asset transfers without advance notice and without bearing responsibility for any resulting losses, even if the transfer fails or the new asset version performs differently than the original.
View change record →The updated terms introduce a new Direct Deposit feature that allows eligible users to receive paychecks and government benefits directly into their Coinbase Account and optionally convert those funds into digital assets through recurring automatic purchases. The terms state that Coinbase will not charge setup or maintenance fees and will waive trading fees on Direct Deposit conversions, though spreads may apply. However, the terms also establish that digital assets are not FDIC-insured, can appreciate or depreciate relative to USD, and that Coinbase reserves the right to set, modify, or reject transfer limits at its sole discretion. You can enroll by providing your employer or government payer with the virtual account and routing numbers Coinbase provides, and you can change your asset allocation at any time through the Coinbase app.
View change record →⚠ Continued use of Coinbase Services after any fee change constitutes acceptance of the revised fees under the terms as written
Cross-platform context
See how other platforms handle Fee Modification and Spread Disclosure and similar clauses.
Compare across platforms →"In general, Coinbase makes money when you purchase or sell Supported Digital Assets on the Coinbase Site. A description of the way fees are calculated can be found on our Pricing and Fees Disclosures Page. By using Coinbase Services you agree to pay all fees and, if applicable based on the service, a spread. While Coinbase reserves the right to adjust its pricing and fees and any applicable waivers at any time, we may provide at least 30 days' prior notice of certain changes to our pricing schedule, or terms, conditions and policies to users in some states where required by applicable law.Excerpt from Coinbase's User Agreement
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This provision establishes that the fee modification notice obligation is jurisdiction-dependent rather than a universal user protection, meaning users in states without statutory advance notice requirements may not receive prior notification of fee changes. The agreement separately discloses that transaction history records exclude spread or margin from the fee line items displayed.
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