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 operates to restrict user access to and use of Coinbase's proprietary materials, establishing clear ownership boundaries and controlling the scope of permitted interactions with site content. It establishes the procedural requirement that users must obtain explicit authorization before engaging in specified uses of protected materials.
The updated terms establish a new arrangement for USDC designated as 'Secured USDC' in connection with the Coinbase One Card. Under the revised language, if you designate USDC in your wallet as Secured USDC, you agree that Coinbase may transfer that amount to a third party designated as the secured party, and you will be restricted from withdrawing or transferring those funds. Additionally, the secured party's instructions to Coinbase regarding those assets take priority over any conflicting instructions you provide. The agreement states that you consent to all such permitted transfers. This arrangement operates independently of amounts owed to Coinbase, meaning Secured USDC will not be debited to satisfy debts you owe to Coinbase.
View change record →The updated terms eliminate language that previously allowed Coinbase to restrict your withdrawals if you designated USDC as Secured USDC and to comply with third-party secured party instructions without your consent. Under the revised agreement, Coinbase will not transfer, loan, or otherwise handle your Supported Digital Assets except as required by law or as you instruct. This means the One Card Secured USDC mechanism is no longer integrated into the core asset protection clause, and users no longer face withdrawal restrictions or loss of instruction authority tied to that designation. If you currently hold Secured USDC under a separate One Card cardholder agreement, that agreement remains in effect but is no longer cross-referenced in the main User Agreement's asset protection section.
View change record →The updated terms establish a new exception to the prior prohibition on transferring user digital assets. Previously, Coinbase stated it would not transfer assets except as required by law or per user instruction. The revised language now permits Coinbase to transfer USDC designated as 'Secured USDC' to third parties pursuant to a Coinbase One Card cardholder agreement. Users who elect to use this feature agree they will be restricted from withdrawing or transferring the secured portion, and they consent to Coinbase following instructions from a designated secured party without further user approval, even if those instructions conflict with the user's own orders to Coinbase. The full terms of this arrangement are stated to be in Appendix 4, which is not included in this summary.
View change record →Users operating under this agreement are restricted from certain uses of Coinbase site content—including copying, distributing, framing, or republishing materials—except where Coinbase grants prior written permission. The restriction applies broadly across all content types and forms of reproduction or transmission.
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"All content on the Coinbase Site, including but not limited to designs, text, graphics, pictures, video, information, software, music, sound and other files, and their selection and arrangement (the 'Site Content'), are the proprietary property of Coinbase with all rights reserved. No Site Content may be modified, copied, distributed, framed, reproduced, republished, downloaded, displayed, posted, transmitted, or sold in any form or by any means, in whole or in part, without Coinbase's prior written permission.— Excerpt from Coinbase's Coinbase User Agreement
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This provision operates to restrict user access to and use of Coinbase's proprietary materials, establishing clear ownership boundaries and controlling the scope of permitted interactions with site content. It establishes the procedural requirement that users must obtain explicit authorization before engaging in specified uses of protected materials.
Users operating under this agreement are restricted from certain uses of Coinbase site content—including copying, distributing, framing, or republishing materials—except where Coinbase grants prior written permission. The restriction applies broadly across all content types and forms of reproduction or transmission.
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