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June 9, 2026
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Coinbase added a new section to its User Agreement describing Third-Party Liquid Staking Tokens (LSTs) and how they operate when held in a Coinbase account. The updated terms explain that Third-Party LSTs represent entitlements to underlying staked assets plus rewards, that they are minted and controlled by third-party protocols rather than Coinbase, and that holding them entitles users to the economic value and risks of the underlying staked asset. This establishes explicit contractual terms governing how Coinbase treats these tokens differently from its own cbETH product.
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May 15, 2026
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Coinbase updated its User Agreement on May 15, 2026 to introduce provisions for 'Secured USDC,' a new feature tied to the Coinbase One Card. Under the previous terms, Coinbase could not sell, transfer, or loan digital assets except as required by law or when you instructed it to do so. The updated agreement now explicitly permits Coinbase to transfer USDC designated as 'Secured USDC' to a third party (the secured party) without your further consent, and restricts you from withdrawing or transferring such designated assets. The secured party's instructions will be followed by Coinbase regardless of conflicting instructions you may provide.
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May 2, 2026
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Coinbase removed references to Secured USDC (a digital asset holding mechanism tied to its One Card product) from its core asset protection language. The previous terms explicitly permitted transfers of Supported Digital Assets for Secured USDC purposes under the One Card agreement. The updated terms now state Coinbase will not sell, transfer, loan, or otherwise handle your assets except as required by law or as you instruct, removing all mentions of the Secured USDC exception and related restrictions on withdrawals. This operational change means users can no longer designate USDC as Secured USDC within the main User Agreement, and the carve-outs allowing Coinbase to comply with third-party secured party instructions without user consent have been eliminated from the core terms.
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May 1, 2026
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Coinbase updated its User Agreement on May 1, 2026 to explicitly permit the transfer of digital assets to third parties under a new 'Secured USDC' feature tied to the Coinbase One Card. Previously, the terms stated assets would not be transferred except as required by law or per user instruction. The updated language now establishes three exceptions: law-mandated transfers, user instructions, and transfers of USDC designated as 'Secured USDC' pursuant to a separate cardholder agreement. Users who designate USDC as secured agree they cannot withdraw or transfer those funds and that Coinbase may follow third-party instructions without further user consent.
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April 28, 2026
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Coinbase updated its User Agreement on April 28, 2026 to clarify punctuation in defined terms and expanded the scope of governed instruments to explicitly include Coinbase Custom Stablecoin alongside wrapped tokens. The change adds 'a Coinbase Custom Stablecoin' to the list of digital assets whose issuance, holding, or use triggers acceptance of the User Agreement. This expands which Coinbase-issued products are contractually governed by the same agreement terms.
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April 19, 2026
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Coinbase updated its Individual User Agreement on April 19, 2026 to add Connecticut-specific disclosures about virtual currency risks. The new language warns that virtual currency is not government-backed or insured, transactions are irreversible, and the market value of cryptocurrency can decline to zero. The agreement also now explicitly describes fraudulent transaction schemes commonly associated with virtual currency.
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March 20, 2026
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Coinbase added a new section of Connecticut-specific disclosures to their User Agreement on March 20, 2026, detailing risks associated with virtual currency. The added language includes warnings that virtual currency is not government-backed or insured, transactions are irreversible, prices are volatile and may result in total loss, and describes common fraud schemes. The update also adds a formal complaint submission process through the Coinbase help portal.
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March 11, 2026
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Coinbase modified formatting and navigation elements in its User Agreement on March 11, 2026. The substantive indemnification language remained unchanged. The document now displays interactive section headers with visual toggle indicators ( symbols) for the Individual User Agreement and Coinbase Business User Agreement sections, along with a Share button for the document. These are formatting and navigation changes with no impact on the contractual terms users operate under.
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March 10, 2026
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Coinbase added a new Direct Deposit feature to its User Agreement on March 10, 2026. The updated terms permit eligible users to deposit paychecks and government benefits directly into their Coinbase Account using virtual account and routing numbers provided by Coinbase. The terms clarify that these virtual numbers do not represent a bank account in the user's name and that the recipient name on deposits must match the name on the Coinbase Account.
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March 6, 2026
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Initial snapshot — monitoring begins
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