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 clause establishes the mechanism by which Coinbase can unilaterally alter the contractual relationship with users without requiring separate affirmative consent beyond continued service usage. It permits amendments to take effect immediately upon posting or notification rather than after a specified notice period.
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 operate under terms that Coinbase may modify at any time with posting or email notice. The specific mechanism requires users to either cease service use or accept modifications through inaction, as the terms apply as written upon the effective date specified by Coinbase.
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We may modify these Terms from time to time. When we make material changes to these Terms, we will notify you by updating the date at the top of these Terms and, in some cases, we may provide you with additional notice (such as adding a statement to our homepage or sending you a notification). Your ...
"Content" means anything you or your Customers create or make available through the Service in connection with your Account, including your intellectual property (e.g. trademarks, trade names, service marks, and copyrighted works); the products or services you offer (e.g., courses, coaching, members...
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"We may amend or modify this Agreement at any time by posting the amended Agreement to the Coinbase Site or emailing it to you. The amended Agreement shall be effective as of the time it is posted or otherwise notified to you. Your continued use of the Services after the effective date of the amended Agreement constitutes your acceptance of the amended Agreement.— Excerpt from Coinbase's Coinbase User Agreement
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This clause establishes the mechanism by which Coinbase can unilaterally alter the contractual relationship with users without requiring separate affirmative consent beyond continued service usage. It permits amendments to take effect immediately upon posting or notification rather than after a specified notice period.
Users operate under terms that Coinbase may modify at any time with posting or email notice. The specific mechanism requires users to either cease service use or accept modifications through inaction, as the terms apply as written upon the effective date specified by Coinbase.
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