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
The clause establishes the procedural framework for dispute resolution by mandating arbitration as the exclusive mechanism and eliminating class action as an available procedural option, which affects both the forum and structure of any dispute brought against the platform.
Interpretive note: Enforceability of the class action waiver, particularly for public injunctive relief claims, varies by jurisdiction and may be subject to judicial override in California and other states.
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 who accept these terms agree to resolve disputes with Coinbase through individual arbitration proceedings rather than court litigation or class actions. The terms authorize Coinbase to enforce arbitration as the sole dispute resolution mechanism upon continued use of the service.
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You and Teachable agree to resolve any disputes through final and binding arbitration, except as set forth under Exceptions to Agreement to Arbitrate below. You also agree that disputes will only be resolved on an individual basis and not as a class, consolidated, or representative action.
Any dispute arising from or relating to the subject matter of these Terms shall be finally settled by arbitration in San Francisco County, California, in accordance with the Streamlined Arbitration Rules and Procedures of Judicial Arbitration and Mediation Services, Inc. ("JAMS") then in effect, by ...
THESE TERMS REQUIRE THE USE OF ARBITRATION (SECTION 12.2) ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, RATHER THAN JURY TRIALS OR CLASS ACTIONS, AND ALSO LIMIT THE REMEDIES AVAILABLE TO YOU IN THE EVENT OF A DISPUTE.
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"PLEASE READ THIS SECTION CAREFULLY BECAUSE IT REQUIRES YOU TO ARBITRATE DISPUTES WITH COINBASE AND IT LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF. You and Coinbase agree to arbitrate any dispute arising from these Terms or your use of the Services on an individual basis and not as part of any class or representative action. This means you cannot join a class action or any collective action against us. You and Coinbase each waive the right to trial by jury or to participate in a class action.— Excerpt from Coinbase's Coinbase User Agreement
Coinbase's User Agreement includes a mandatory arbitration clause that most users may not have reviewed. Here is what the clause states and how the opt-out process works.
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The clause establishes the procedural framework for dispute resolution by mandating arbitration as the exclusive mechanism and eliminating class action as an available procedural option, which affects both the forum and structure of any dispute brought against the platform.
Users who accept these terms agree to resolve disputes with Coinbase through individual arbitration proceedings rather than court litigation or class actions. The terms authorize Coinbase to enforce arbitration as the sole dispute resolution mechanism upon continued use of the service.
ConductAtlas has identified this type of provision across 133 platforms. See the full comparison.
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