Coinbase requires you to provide personal information to verify your identity before you can use the platform, including government ID and other documentation, and may request additional verification at any time.
You must share sensitive personal information including government-issued ID with Coinbase, and failure to provide requested documentation can result in your account being restricted or closed.
KYC/CIP requirements reflect obligations under the Bank Secrecy Act, FinCEN's Customer Due Diligence (CDD) Final Rule, and applicable OFAC screening requirements; institutional clients should assess Coinbase's compliance program maturity and data handling practices as part of vendor risk management.
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Coinbase's terms give the company significant unilateral power to freeze, suspend, or terminate user accounts with limited recourse, and cap the company's financial liability to just three months of fees paid — regardless of the value of assets affected. Cryptocurrency holdings on Coinbase are explicitly not covered by FDIC or SIPC insurance, meaning users bear the full risk of platform insolvency. You can opt out of the mandatory arbitration clause by sending written notice to Coinbase within 30 days of first accepting the agreement.