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 and conditions under which the contractual agreement between the user and Coinbase may be unilaterally altered by the service provider. It creates a procedural framework where modifications become binding through continued use rather than affirmative re-acceptance.
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 may be changed by Coinbase upon notice, with the revised Terms becoming applicable if the user continues to use the service. The burden to discontinue use falls on the user if they do not accept modified terms.
How other platforms handle this
These terms may change from time to time. Notice of any material change will be posted on this page with an updated effective date. We may notify you of a change to the Terms via email, in-app notification, or other means; however, you are responsible for regularly checking this page for any changes...
We reserve the right, at our sole discretion, to amend these Terms of Service at any time and will update these Terms of Service in the event of any such amendments. We will notify our Users of material changes to this Agreement, such as price changes, at least 30 days prior to the change taking eff...
II. Revisions, Disclosures, and Notices
Monitoring
Coinbase has changed this document before.
Receive same-day alerts, structured change summaries, and monitoring for up to 10 platforms.
"We may make changes to these Terms at any time. We will use commercially reasonable efforts to provide you with notice of any changes by posting the revised Terms on our website and by notifying you via email or your Coinbase Account. Your continued use of the Coinbase Services after such notice constitutes your agreement to the revised Terms.— Excerpt from Coinbase's Coinbase User Agreement
Professional Governance Intelligence
Need to monitor specific governance provisions?
Professional includes provision-level monitoring, governance timelines, regulatory mapping, and audit-ready analysis.
Built from archived source documents, structured governance mappings, and historical version tracking.
This clause establishes the mechanism and conditions under which the contractual agreement between the user and Coinbase may be unilaterally altered by the service provider. It creates a procedural framework where modifications become binding through continued use rather than affirmative re-acceptance.
Users operate under Terms that may be changed by Coinbase upon notice, with the revised Terms becoming applicable if the user continues to use the service. The burden to discontinue use falls on the user if they do not accept modified terms.
ConductAtlas has identified this type of provision across 20 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Coinbase.