The agreement states that Coinbase charges fees on cryptocurrency transactions including purchases, sales, conversions, and transfers. Fee amounts are disclosed at the time of transaction and set out in a separate fee schedule; the agreement states that fees are generally non-refundable.
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 transaction fee terms are contained in a separate fee schedule document rather than fully within the User Agreement, and that fees are non-refundable except in limited circumstances defined in that separate document.
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 →The agreement states that transaction fees are non-refundable and are governed by a separate fee schedule incorporated by reference. Users should review the current fee schedule prior to executing transactions, as fee amounts are not reproduced in the main agreement text.
How other platforms handle this
eBay charges sellers for using many of our Services. In some cases, eBay may charge buyers for using certain of our Services. We may change our fees at any time by posting the changes on our Seller Center and, if applicable, informing you via email or through My eBay. eBay may, in its discretion, ch...
Except as expressly set forth herein, all fees and charges are non-refundable. All fees are exclusive of taxes, levies, or duties imposed by taxing authorities, and you shall be responsible for payment of all such taxes, levies, or duties.
Subscriptions shall automatically renew for successive terms equal to the expiring term unless either party provides written notice of non-renewal at least thirty (30) days prior to the end of the then-current term. Customer agrees to pay all fees specified in the applicable Order Form.
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"When you buy, sell, convert, send, or receive cryptocurrency, Coinbase may charge fees. The fees applicable to your transactions are disclosed at the time of the transaction and are set out in our fee schedule available on our website. Fees are non-refundable except in limited circumstances as described in the fee schedule.— Excerpt from Coinbase's Coinbase User Agreement
1) REGULATORY LANDSCAPE: Fee disclosure obligations for consumer financial services engage the FTC Act's requirements for clear and conspicuous disclosure, as well as applicable state money transmission regulations that may impose specific fee disclosure requirements. The CFPB has authority over fee practices in consumer financial products. 2) GOVERNANCE EXPOSURE: Medium. The incorporation of fee terms by reference to a separately maintained document means that fee structures may change independently of the main User Agreement, subject to the modification notice provisions. Institutional users executing high-volume transactions should monitor the fee schedule for changes. 3) JURISDICTION FLAGS: State consumer protection statutes in California and New York impose requirements for clear fee disclosure in consumer financial services. The non-refundability of fees absent limited exceptions warrants review for compliance with applicable state refund and dispute resolution requirements. 4) CONTRACT AND VENDOR IMPLICATIONS: Institutional users should obtain and retain copies of the fee schedule applicable at the time of contract execution and assess whether fee changes constitute material modifications triggering renegotiation rights or contract review. 5) COMPLIANCE CONSIDERATIONS: Compliance teams should establish a process for monitoring fee schedule changes and assessing their impact on transaction cost projections and budget models. The dispute mechanism for fee-related claims should be identified and documented.
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This provision establishes that transaction fee terms are contained in a separate fee schedule document rather than fully within the User Agreement, and that fees are non-refundable except in limited circumstances defined in that separate document.
The agreement states that transaction fees are non-refundable and are governed by a separate fee schedule incorporated by reference. Users should review the current fee schedule prior to executing transactions, as fee amounts are not reproduced in the main agreement text.
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