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 Coinbase's authority to unilaterally adjust the economic and operational terms of service, subject to notice requirements that vary by jurisdiction. This creates a framework where fee structures and policy terms remain subject to modification throughout the service relationship.
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 fee and terms structures that Coinbase may alter, with notice timing dependent on state law requirements. In jurisdictions requiring notice, users receive at least 30 days advance notice before changes take effect; in other jurisdictions, the notice requirement does not apply.
How other platforms handle this
Stripe may modify these terms or the fees for the Services at any time by providing 30 days' notice to you. Your continued use of the Services after the effective date of a modification constitutes your acceptance of the modified terms. If you do not agree to the modified terms, you may terminate th...
We will notify you before we make material changes to these Terms and give you an opportunity to review the revised Terms before continuing to use the Fitbit Service. When you use the Fitbit Service after a modification becomes effective, you are telling us that you accept the modified Terms.
We may (and probably will) create updated versions of these Terms in the future, as the Riot Services and applicable laws and regulations evolve. When we do, we'll inform you of the new Terms which will supersede and replace these Terms in writing (e-mail is sufficient).
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"While Coinbase reserves the right to adjust its pricing and fees and any applicable waivers at any time, we may provide at least 30 days' prior notice of certain changes to our pricing schedule, or terms, conditions and policies to users in some states where required by applicable law.— Excerpt from Coinbase's Coinbase User Agreement
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The clause establishes Coinbase's authority to unilaterally adjust the economic and operational terms of service, subject to notice requirements that vary by jurisdiction. This creates a framework where fee structures and policy terms remain subject to modification throughout the service relationship.
Users operate under fee and terms structures that Coinbase may alter, with notice timing dependent on state law requirements. In jurisdictions requiring notice, users receive at least 30 days advance notice before changes take effect; in other jurisdictions, the notice requirement does not apply.
ConductAtlas has identified this type of provision across 1 platforms. See the full comparison.
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