US Individual User Agreement — July 22, 2026 version

Account & Service Control · Context

Individual agreement applies to personal use; business use falls under a separate Business agreement

This page hosts two Coinbase agreements. The Individual User Agreement applies if you use Coinbase as an individual, including buying, selling or trading crypto for yourself. If you are an authorized representative of a company using Coinbase for commercial, business purposes, your activities fall under the separate Coinbase Business User Agreement instead. Coinbase points to a quick-guide help page for unsure users. Only the Individual agreement is the subject of this analysis; the Business agreement text is not part of the saved source.

Supporting quotations

If you're using Coinbase as an individual — including buying, selling, or trading crypto for yourself — the Individual User Agreement applies. If you are an authorized representative of a company which is using Coinbase for commercial, business purposes your activities are subject to our Coinbase Business User Agreement.

Still unsure? Read our [quick guide](https://help.coinbase.com/en/coinbase/other-topics/legal-policies/user-agreements-ind-bus) to help you determine which agreement fits your situation.

Qualifications & exceptions

• Applies to individuals; business purposes route to the Business User Agreement.

Not stated here

• The quick-guide help page is linked but its text was not supplied.

Legal Rights & Agreement Rules · Restriction or exception

Whichever agreement applies, you are bound to arbitration, a jury trial waiver and a class action waiver

Coinbase says that regardless of which of the two agreements applies to you, you are bound to an arbitration agreement, a jury trial waiver and a class action waiver, and urges careful review. This is a summary notice on the page; the operative terms are in the dispute resolution sections and Appendix 5 of the Individual agreement, which are covered by their own cards.

Supporting quotations

Regardless of which agreement applies to you, you are bound to an arbitration agreement, jury trial waiver, and class action waiver.

Please review the terms carefully

Qualifications & exceptions

• Summary only; scope, exceptions and opt-out terms are in Appendix 5.

Legal Rights & Agreement Rules · Context

Individual User Agreement stated as last updated July 22, 2026

The Individual User Agreement on this page states a last-updated date of July 22, 2026. The page does not separately state an effective date or describe how this version differs from earlier ones.

Supporting quotations

Individual User Agreement

Last updated: July 22, 2026

Not stated here

• No separate effective date is stated, and no earlier version is supplied for comparison.

Legal Rights & Agreement Rules · Restriction or exception

Signing up for or holding a Coinbase token or stablecoin means you accept the agreement and named policies

This is an agreement between you and Coinbase, Inc. covering Coinbase Services and other services offered later. You accept it by signing up for a Coinbase account or service through the website, APIs or mobile app, or by obtaining, holding or using a wrapped token or Coinbase Custom Stablecoin issued by Coinbase. Acceptance covers all terms, including the Privacy Policy, Cookie Policy, Prohibited Use Policy and the E-Sign Disclosure and Consent in Appendix 2. Certain Additional Services may require agreeing to further terms.

Supporting quotations

This is a User Agreement between you (also referred to herein as “User,” or “customer”) and Coinbase, Inc.

By signing up to use a Coinbase account or service through [coinbase.com](https://www.coinbase.com/), Coinbase’s APIs, the Coinbase mobile application, or any other Coinbase website (collectively the "Coinbase Site"), or by obtaining, holding or using a wrapped token or a Coinbase Custom Stablecoin issued by Coinbase, you agree that you have read, understand, and accept all of the terms and conditions contained in this Agreement including our [Privacy Policy](https://www.coinbase.com/legal/privacy), [Cookie Policy](https://www.coinbase.com/legal/cookie), [Prohibited Use Policy](https://www.coinbase.com/legal/prohibited_use) and E-Sign Disclosure and Consent Policy in Appendix 2.

You may have to agree to additional terms and conditions to use certain Additional Services

Qualifications & exceptions

• Acceptance is triggered by signing up or by obtaining, holding or using a wrapped token or Coinbase Custom Stablecoin, even without a Coinbase account.

Not stated here

• The Privacy Policy, Cookie Policy and Prohibited Use Policy are linked, but their text was not supplied for this analysis.
• Additional terms for Additional Services are not specified here.

Account & Service Control · Context

Digital Asset and Supported Digital Asset definitions; supported assets and services vary by jurisdiction

A Digital Asset is any digital representation of value built on a cryptographic protocol of a computer network, including virtual currency or commodities. A Supported Digital Asset is only a Digital Asset listed as available to trade or custody in your Digital Asset Wallet. Services and supported assets may vary by jurisdiction, so what you can hold or trade depends on what is listed for you.

Supporting quotations

“Digital Asset” means any digital asset (including a virtual currency or virtual commodity) which is a digital representation of value based on (or built on top of) a cryptographic protocol of a computer network.

"Supported Digital Asset" means only those particular Digital Assets listed as available to trade or custody in your Digital Asset Wallet (as defined below). Services and supported assets may vary by jurisdiction.

Qualifications & exceptions

• Supported means listed as available to trade or custody in your own Digital Asset Wallet, and may differ by jurisdiction.

Account & Service Control · Context

Asset Transformation and Coinbase Supported Migration defined

An Asset Transformation is a protocol upgrading or otherwise changing a Digital Asset to a different version, such as v1 to v2. A Coinbase Supported Migration is when Coinbase facilitates transferring your Supported Digital Assets to the newer version in connection with an Asset Transformation. Later sections say Coinbase decides whether to offer a migration.

Supporting quotations

“Asset Transformation” means the process by which a protocol may upgrade or otherwise change a Digital Asset to a different version (e.g., from v1 to v2 of a Digital Asset). “Coinbase Supported Migration” refers to when Coinbase facilitates the transfer of your Supported Digital Assets to a newer version in connection with an Asset Transformation.

Legal Rights & Agreement Rules · Permission or license

Coinbase may amend the agreement at any time; continued use is acceptance

Coinbase may amend this Agreement at any time by posting a revised agreement on the site or providing you a copy. A revised agreement is effective when posted but does not apply retroactively. Continuing to use the Services after posting counts as accepting it. If you disagree, your sole and exclusive remedy is to stop using the Services and close your account.

Supporting quotations

We may amend or modify this Agreement at any time by posting the revised agreement on the Coinbase Site and/or providing a copy to you (a “Revised Agreement”).

The Revised Agreement shall be effective as of the time it is posted but will not apply retroactively.

Your continued use of the Services after the posting of a Revised Agreement constitutes your acceptance of such Revised Agreement.

your sole and exclusive remedy is to terminate your use of the Services and close your account

Qualifications & exceptions

• No advance notice period is stated in this clause; Section 3.3 separately mentions 30 days' notice of some pricing and terms changes in some states.

Legal Rights & Agreement Rules · Restriction or exception

Notice that Section 7 and Appendix 5 require binding arbitration with a class action and jury trial waiver

A capitalized notice warns that Section 7 and Appendix 5 govern how disputes are resolved. Appendix 5 contains an agreement to arbitrate that, with limited exceptions, requires all disputes between you and Coinbase to be resolved by binding, final arbitration, along with a class action and jury trial waiver. The notice itself is a pointer; the detailed rules, exceptions and any opt-out are in Section 7 and Appendix 5.

Supporting quotations

PLEASE BE AWARE THAT SECTION 7 (CUSTOMER FEEDBACK, QUERIES, COMPLAINTS, AND DISPUTE RESOLUTION) AND APPENDIX 5 OF THIS AGREEMENT,CONTAIN PROVISIONS GOVERNING HOW TO RESOLVE DISPUTES BETWEEN YOU AND COINBASE.

APPENDIX 5 INCLUDES AN AGREEMENT TO ARBITRATE WHICH REQUIRES, WITH LIMITED EXCEPTIONS, THAT ALL DISPUTES BETWEEN YOU AND US SHALL BE RESOLVED BY BINDING AND FINAL ARBITRATION.

APPENDIX 5 ALSO CONTAINS A CLASS ACTION AND JURY TRIAL WAIVER.

Qualifications & exceptions

• Arbitration is required 'with limited exceptions'; the exceptions are in Appendix 5.

Legal Rights & Agreement Rules · Restriction or exception

Coinbase gives no investment, tax or legal advice and does not recommend buying, selling or holding any asset

Coinbase does not provide investment, tax or legal advice. You alone decide whether any investment, strategy or transaction suits your objectives, finances and risk tolerance. Coinbase may publish educational material, including blog posts, news feeds and links to third-party content, about Supported and unsupported Digital Assets, but that material is not investment, financial or trading advice. Coinbase does not recommend that any Digital Asset be bought, earned, sold or held, and is not responsible for decisions you make based on its information.

Supporting quotations

Coinbase does not provide investment, tax, or legal advice, and you are solely responsible for determining whether any investment, investment strategy or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance.

Coinbase may provide educational information about Supported Digital Assets, as well as Digital Assets not supported by Coinbase, in order to assist users in learning more about such Digital Assets. Information may include, but is not limited to, blog posts, articles, links to third-party content, news feeds, tutorials, and videos. The information provided on the Coinbase Site or any such third-party sites does not constitute investment advice, financial advice, trading advice, or any other sort of advice,

Coinbase does not recommend that any Digital Asset should be bought, earned, sold, or held by you.

Coinbase will not be held responsible for the decisions you make to buy, sell, or hold Digital Assets based on the information provided by Coinbase.

Charges & Financial Obligations · Company practice

Coinbase does not broker trades for you; trades execute automatically per your order parameters

Unless a specific product says otherwise, Coinbase does not broker trades on your behalf. All Coinbase trades are executed automatically based on your order parameters and in accordance with posted trade execution procedures. Section 3.2 separately says that on the Coinbase Site Coinbase acts as your agent to facilitate trades between you and other customers.

Supporting quotations

Coinbase does not broker trades on your behalf unless otherwise specified on a specific product.

All Coinbase trades are executed automatically, based on the parameters of your order instructions and in accordance with posted trade execution procedures.

Qualifications & exceptions

• Applies unless otherwise specified for a specific product.

Not stated here

• The posted trade execution procedures are not supplied.

Charges & Financial Obligations · Restriction or exception

You acknowledge Digital Assets can lose value and you may lose money

You acknowledge that the value of Digital Assets can rise or fall and that there is substantial risk of losing money buying, selling, holding or investing in them. Coinbase tells you to consult a financial, legal or tax professional and consider whether trading or holding is suitable for you.

Supporting quotations

the value of Digital Assets can increase or decrease and there can be a substantial risk that you lose money buying, selling, holding, or investing in Digital Assets

You should consult your financial advisor, legal or tax professional regarding your specific situation and financial condition and carefully consider whether trading or holding Digital Assets is suitable for you.

Charges & Financial Obligations · Restriction or exception

Coinbase is not SEC-registered; Digital Assets carry no FDIC or SIPC protection (USD cash: see 2.8)

Coinbase states it is not registered with the U.S. Securities and Exchange Commission and does not offer securities services in the United States or to U.S. persons. You acknowledge Digital Assets are not covered by FDIC or Securities Investor Protection Corporation protections or insurance. This applies to Digital Assets; Section 2.8 separately describes how USD held as cash in a USD Wallet may have pass-through FDIC or NCUSIF insurance, subject to conditions, and says Coinbase itself is not an insured bank.

Supporting quotations

Coinbase is not registered with the U.S. Securities and Exchange Commission and does not offer securities services in the United States or to U.S. persons.

You acknowledge that Digital Assets are not subject to protections or insurance provided by the Federal Deposit Insurance Corporation or the Securities Investor Protection Corporation.

Our custodial cash accounts have been established in a manner to make available pass-through FDIC or NCUSIF insurance available up to the per-depositor coverage limit then in place (currently $250,000 per individual).

Coinbase is not an FDIC-insured bank or NCUSIF-insured credit union.

Qualifications & exceptions

• The no-insurance acknowledgement is about Digital Assets; USD cash balances are addressed in Section 2.8.

Account & Service Control · Restriction or exception

You must be at least 18 and live in the United States; some features depend on your location

To use Coinbase Services you must be at least 18 years old and reside in the United States. Some features may or may not be available depending on your location and other criteria.

Supporting quotations

To be eligible to use the Coinbase Services, you must be at least 18 years old, and reside in the United States.

There are certain features which may or may not be available to you depending on your location and other criteria.

Account & Service Control · Restriction or exception

You must register and verify an account, use it only for yourself, and are responsible for all activity under it

You need a Coinbase account to use the Services and must complete verification procedures before you can use them. By registering or using the account you represent that you will use it only for yourself and not on behalf of any third party, unless Coinbase gave prior written approval. You are fully responsible for all activity under the account.

Supporting quotations

You must register for a Coinbase account to use the Coinbase Services

You will need to complete certain verification procedures before you are permitted to use the Coinbase Services.

you will use your Coinbase Account only for yourself, and not on behalf of any third party, unless you have obtained prior written approval from Coinbase

You are fully responsible for all activity that occurs under your Coinbase Account.

Qualifications & exceptions

• The only stated exception to personal-only use is Coinbase's prior written approval.

Account & Service Control · Permission or license

Coinbase may, in its sole discretion, refuse, suspend or terminate accounts, transfers or trading

Coinbase may in its sole discretion refuse to open an account, suspend or terminate any account, suspend or terminate sending of Digital Assets from your account, or suspend or terminate trading in your account. The clause points to Section 6 for more, where Section 6.10 lets Coinbase suspend, restrict or terminate for any reason at its sole discretion, with a 90-day window to transfer assets out in most cases.

Supporting quotations

We may, in our sole discretion, refuse to open a Coinbase Account, suspend or terminate any Coinbase Account, suspend or terminate the sending of Digital Assets from your account, or suspend or terminate the trading of Digital Assets in your account.

Please see Section 6 below for more information.

Coinbase may suspend, restrict, or terminate your access to any or all of the Coinbase Services, and/or deactivate or cancel your Coinbase Account(s), with immediate effect for any reason at its sole discretion and is under no obligation to disclose the details of its decision to take such action with you.

You will be permitted to transfer Supported Digital Assets or funds associated with your hosted Digital Asset Wallet(s) and/or your USD Wallet(s) for ninety (90) days after Account deactivation or cancellation unless such transfer is otherwise prohibited (i) under applicable law, including but not limited to applicable sanctions programs; or (ii) by a facially valid subpoena or court order.

Qualifications & exceptions

• Section 6.10 gives a 90-day post-deactivation transfer window, unless prohibited by applicable law (including sanctions programs) or a facially valid subpoena or court order.

Data Access & Collection · Permission or license

You must give requested verification information and consent to its use and retention

At registration or any time Coinbase deems necessary, you agree to give the information it requests to verify identity, provide the Services, and detect money laundering, terrorist financing, fraud or other financial crimes, and you permit Coinbase to keep a record. Requested information may include name, address, phone, email, date of birth, taxpayer identification number, government ID and bank account details, and, where permitted by law, special categories of personal data such as biometric information. You consent to Coinbase accessing, processing and retaining it to provide the Services. You can withdraw consent by closing your account, but Coinbase may keep and process data it reasonably believes is necessary to comply with laws or regulations.

Supporting quotations

During registration for your Coinbase Account, or at any other time deemed necessary by Coinbase, you agree to provide us with the information we request for the purposes of identity verification, providing Coinbase Services to you, and the detection of money laundering, terrorist financing, fraud, or any other financial crimes and permit us to keep a record of such information.

The information we request may include certain personal information, including, but not limited to, your name, address, telephone number, e-mail address, date of birth, taxpayer identification number, government identification, and information regarding your bank account (such as the name of the bank, the account type, routing number, and account number) and in some cases (where permitted by law), special categories of personal data, such as your biometric information.

You consent to us accessing, processing and retaining any personal information you provide to us for the purpose of us providing Coinbase Services to you.

You can withdraw your consent at any time by closing your account with us. However, we may retain and continue to process your personal information if we reasonably believe it is necessary in order to comply with laws or regulations.

Qualifications & exceptions

• Biometric and other special-category data are collected only 'where permitted by law'.
• Withdrawing consent works through closing the account, and does not stop retention Coinbase believes is legally necessary.

Not stated here

• The Privacy Policy, which governs further processing, was not supplied.

Sharing & Disclosure · Permission or license

Coinbase may verify you through third parties and share your data with credit reference and fraud agencies

You authorize Coinbase to make inquiries, directly or through third parties, that it considers necessary to verify your identity or protect you and Coinbase against fraud or financial crime, and to take action it reasonably deems necessary based on the results. You acknowledge that your personal information may be disclosed to credit reference, fraud prevention or financial crime agencies and that they may respond to its inquiries in full. Coinbase says this is an identity check only that should have no adverse effect on your credit rating. It also reserves the right at all times to monitor, review, retain and disclose any information as necessary to satisfy any applicable law, regulation, sanctions program, legal process or governmental request.

Supporting quotations

You authorize us to make inquiries, whether directly or through third parties, that we consider necessary to verify your identity or protect you and/or us against fraud or other financial crime, and to take action we reasonably deem necessary based on the results of such inquiries.

you acknowledge and agree that your personal information may be disclosed to credit reference and fraud prevention or financial crime agencies and that these agencies may respond to our inquiries in full.

This is an identity check only and should have no adverse effect on your credit rating.

We reserve the right at all times to monitor, review, retain and/or disclose any information as necessary to satisfy any applicable law, regulation, sanctions programs, legal process or governmental request.

Qualifications & exceptions

• The no-adverse-effect-on-credit statement is worded 'should have'.

Sharing & Disclosure · Permission or license

You authorize your wireless carrier to share account and device data with Coinbase to prevent fraud

You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to Coinbase or its service provider for as long as you have a Coinbase Account. The stated purpose is solely to help them identify you or your wireless device and to prevent fraud.

Supporting quotations

you authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to Coinbase or its service provider for as long as you have a Coinbase Account, solely to help them identify you or your wireless device and to prevent fraud.

Qualifications & exceptions

• Purpose is limited to identification and fraud prevention; lasts as long as you have a Coinbase Account.

Account & Service Control · Restriction or exception

You confirm the information you give is accurate and agree to keep it updated

You confirm that the information you provide to Coinbase is accurate and authentic and agree to keep Coinbase updated if it changes.

Supporting quotations

you confirm that the information is accurate and authentic

You agree to keep us updated if any of the information you provide changes.

Legal Rights & Agreement Rules · Restriction or exception

No guarantee of uninterrupted access or order execution; no liability for delays or price drops during outages

Access to the Services may degrade or become unavailable during significant volatility or volume, causing support delays. Coinbase does not represent that the site or Services will be available without interruption and does not guarantee that any order will be executed, accepted, recorded or remain open. It is not liable for losses from delays in processing, inability to execute transactions, or slow customer support response, including price drops while you are locked out of your account.

Supporting quotations

Access to Coinbase Services may become degraded or unavailable during times of significant volatility or volume.

we do not represent that the Coinbase Site or other Coinbase Services will be available without interruption and we do not guarantee that any order will be executed, accepted, recorded, or remain open.

Coinbase shall not be liable for any losses resulting from or arising out of delays in processing transactions, inability to execute transactions, or lack of timely response from Coinbase customer support.

if you are locked out of your Coinbase Account, it is possible that the value or price of the Digital Assets in your account might go down before your access is restored. Coinbase shall not be liable for any alleged losses that you suffer from a drop in Digital Asset values or prices.

Account & Service Control · Company practice

Coinbase provides hosted Digital Asset and USD wallets to qualifying users; other products carry additional rules

As part of your account, Coinbase provides qualifying users hosted Digital Asset wallets that hold Supported Digital Assets and a hosted USD Wallet for holding US dollars. You may also elect other products such as Coinbase Vault or Coinbase Wallet (an unhosted wallet service), which may have additional rules. Unless noted, Digital Asset Wallet includes Coinbase Vault.

Supporting quotations

Coinbase will provide qualifying users: (i) hosted Digital Asset wallet(s), each of which is an account for holding Supported Digital Assets (“Digital Asset Wallet”), and (ii) a hosted US Dollars ("USD") wallet, which is an account for holding USD (a “USD Wallet“).

You may also elect to use other products and services, such as the Coinbase vault (“Coinbase Vault”), or Coinbase Wallet (an unhosted wallet service); additional rules associated with such product(s) and services(s) may apply.

Unless otherwise noted, all references to Digital Asset Wallet include Coinbase Vault.

Qualifications & exceptions

• Wallets are provided to 'qualifying users', not all users.

Not stated here

• What makes a user qualifying is not defined here.

Security & Safeguards · Company practice

Coinbase stores private keys online and offline; offline retrieval can delay transfers

Your Digital Asset Wallet lets you store, track, transfer and manage balances of Supported Digital Assets. Coinbase securely stores the private keys used to process transactions in a combination of online and offline storage. Because of its security protocols, Coinbase may need to retrieve private keys or related information from offline storage to carry out Digital Asset Transfers, and you acknowledge this may delay the initiation or crediting of a transfer.

Supporting quotations

Your Digital Asset Wallet allows you to store, track, transfer, and manage your balances of Supported Digital Assets.

We securely store Digital Asset private keys, which are used to process transactions, in a combination of online and offline storage.

it may be necessary for us to retrieve private keys or related information from offline storage in order to facilitate Digital Asset Transfers (as defined below) in accordance with your instructions, and you acknowledge that this may delay the initiation or crediting of such Digital Asset Transfers.

Account & Service Control · Restriction or exception

Wallet is for Supported Digital Assets only; Coinbase may end support for an asset and is not liable for others

Your wallet is intended solely for Supported Digital Assets as designated on the site; you should not try to store, send, request or receive other assets. Coinbase takes no responsibility for attempts to use the wallet with unsupported assets and is not liable for an unsupported asset sent to a wallet associated with your account. Coinbase may in its sole discretion end support for any asset. If you do not sell or send an asset off platform before support ends, Coinbase may, in its discretion, remove it from your wallet and credit your Digital Asset Wallet or USD Wallet the equivalent market value of a Supported Digital Asset or fiat currency, minus transaction costs.

Supporting quotations

Your Digital Asset Wallet is intended solely for proper use of Supported Digital Assets

Coinbase assumes no responsibility in connection with any attempt to use your Digital Asset Wallet with Digital Assets that we do not support. You acknowledge and agree that Coinbase is not liable for any unsupported Digital Asset that is sent to a wallet associated with your Coinbase Account.

Coinbase may in its sole discretion terminate support for any particular Digital Asset.

If you do not sell or send such Digital Asset off platform before Coinbase terminates its support for such Digital Asset, then Coinbase may, in its discretion, remove such Digital Asset from your Digital Asset Wallet and credit your Digital Asset Wallet or USD Wallet the equivalent market value of a Supported Digital Asset or fiat currency minus transaction costs.

Qualifications & exceptions

• Removal and credit after support ends is at Coinbase's discretion, and the credit is net of transaction costs.

Account & Service Control · Restriction or exception

Staking, governance and smart contract functions are excluded unless announced; attempts lose the item

Unless specifically announced on the site or provided for elsewhere in the Agreement, Supported Digital Assets exclude other protocols or functionality that supplement or interact with them, such as metacoins, colored coins, side chains, derivative or forked tokens, staking, protocol governance and smart contract functionality. Coinbase tells you not to use the account for such transactions because the site is not configured to detect, secure or process them. Attempted transactions in such items result in loss of the item, and Coinbase has no liability for losses related to supplemental protocols. Later sections do provide for staking and voting for some assets.

Supporting quotations

Unless otherwise specifically announced on the Coinbase Site or as set forth in this Agreement, Supported Digital Assets excludes all other protocols and/or functionality which supplement or interact with the Supported Digital Asset. This exclusion includes but is not limited to: metacoins, colored coins, side chains, or other derivative, enhanced, or forked protocols, tokens, or coins or other functionality, such as staking, protocol governance, and/or any smart contract functionality, which may supplement or interact with a Supported Digital Asset.

Do not use your Coinbase Account to attempt to receive, request, send, store, or engage in any other type of transaction or functionality involving any such protocol as the Coinbase Site is not configured to detect, secure, or process these transactions and functionality.

Any attempted transactions in such items will result in loss of the item.

Coinbase has no liability for any losses related to supplemental protocols.

Qualifications & exceptions

• Exclusion applies unless specifically announced on the site or otherwise provided in the Agreement; staking and voting are addressed in later sections.

Account & Service Control · Permission or license

Coinbase may hold your assets across blockchains and shared addresses and treat all forms as fungible

Coinbase may hold Supported Digital Assets in your wallets in many ways, including across multiple blockchain protocols such as layer two networks, alternative layer one networks or side chains. It may move assets off the primary blockchain and hold them on shared blockchain addresses it controls on other protocols. You agree that all forms of the same Digital Asset held across multiple protocols may be treated as fungible and equivalent, whether or not a form is wrapped and regardless of which blockchain protocol stores it.

Supporting quotations

Coinbase may hold Supported Digital Assets in your Digital Asset Wallets in a variety of different ways, including across multiple blockchain protocols, such as layer two networks, alternative layer one networks, or side chains.

Coinbase may transfer such Digital Assets off of the primary blockchain protocol and hold such Digital Assets on shared blockchain addresses, controlled by Coinbase, on alternative blockchain protocols in forms compatible with such protocols.

all forms of the same Digital Asset that are held and made available across multiple blockchain protocols may be treated as fungible and the equivalent of each other, without regard to (a) whether any form of such Digital Asset is wrapped or (b) the blockchain protocol on which any form of such Digital Asset is stored.

Legal Rights & Agreement Rules · Restriction or exception

Coinbase does not control underlying protocols; forks and upgrades are at your risk and Coinbase decides its response

Coinbase does not own or control the software protocols behind Digital Assets and assumes no responsibility for their operation, functionality or security. Protocols can change operating rules suddenly, including forks, or perform an Asset Transformation at their discretion, which may materially affect availability, value, functionality or name. You are responsible for staying aware of upcoming changes. Coinbase may temporarily suspend operations for affected assets to protect security, will endeavor to give notice of its response to a material change, and has sole discretion over its response, including declining to support a new asset, fork or transformation. It is not liable for loss of value or for inability to transfer during a Coinbase Supported Migration or an Asset Transformation.

Supporting quotations

Coinbase does not own or control the underlying software protocols which govern the operation of Digital Assets. Generally, the underlying protocols are open source, and anyone can use, copy, modify, and distribute them. We assume no responsibility for the operation of the underlying protocols and do not guarantee the functionality or security of network operations.

the underlying protocols may be subject to sudden changes in operating rules (including “forks”) or may choose to conduct an Asset Transformation at their discretion. Any such operating changes may materially affect the availability, value, functionality, and/or the name of the Digital Assets in your Digital Asset Wallet or other wallet.

It is your responsibility to make yourself aware of upcoming operating changes

Coinbase reserves the right to take such steps as may be necessary to protect the security and safety of assets held on the Coinbase Site, including without limitation, temporarily suspending operations for the involved Digital Asset(s); Coinbase will endeavor to provide you notice of its response to any material operating change;

Coinbase’s response to any operating change is subject to its sole discretion

Coinbase shall not be liable or responsible to you for any loss resulting from any inability to transfer your Digital Assets during a Coinbase Supported Migration or otherwise resulting from an Asset Transformation.

Qualifications & exceptions

• Coinbase says it will 'endeavor' to give notice of its response, not that it must; changes may occur without notice to Coinbase.

Account & Service Control · Permission or license

Coinbase may choose to run a Supported Migration for held assets, and you instruct it to do so in its sole judgment

Coinbase may at its own discretion conduct a Coinbase Supported Migration of a Supported Digital Asset that has undergone or will undergo an Asset Transformation, on behalf of customers holding it at the time. In Section 2.7.1 you instruct Coinbase to carry out Supported Migrations involving Supported Digital Assets you may hold, at the time and in the manner Coinbase solely determines appropriate. Coinbase has no responsibility to support new forks or operating changes or to assist with unsupported currencies.

Supporting quotations

Coinbase may, at its own discretion, choose to conduct a Coinbase Supported Migration of a Supported Digital Asset that has been or will be subject to an Asset Transformation on behalf of customers who, at the relevant time period, hold the Supported Digital Asset.

You hereby instruct Coinbase to effectuate Coinbase Supported Migrations involving Supported Digital Assets you may hold, on your behalf, at such time and in such manner as Coinbase solely determines it is appropriate to do so.

we have no responsibility to assist you with unsupported currencies, including any Digital Asset subject to an Asset Transformation, or protocols,

Account & Service Control · Company commitment

Supported Digital Assets are held in custody for you; title stays with you but you bear the risk of loss

Supported Digital Assets in your wallet are custodial assets held by Coinbase for your benefit. Title stays with you and does not transfer to Coinbase, and the assets are held for customers, are not Coinbase property, and are not subject to claims of Coinbase's creditors. Coinbase does not treat them as its own and they are not to be loaned to it. As owner you bear all risk of loss and Coinbase has no liability for fluctuations or loss. One exception: title may transfer to a third party under the Secured USDC terms of the Coinbase One Card in Appendix 4.

Supporting quotations

All Supported Digital Assets held in your Digital Asset Wallet are custodial assets held by Coinbase for your benefit

Title to Supported Digital Assets shall at all times remain with you and shall not transfer to Coinbase.

title to Supported Digital Assets may be transferred to a third party pursuant to the Secured USDC terms of the Coinbase One Card in Appendix 4.

All interests in Digital Assets we hold for Digital Asset Wallets are held for customers, are not property of Coinbase, and are not subject to claims of Coinbase’s creditors.

you shall bear all risk of loss of such Supported Digital Assets. Coinbase shall have no liability for Supported Digital Asset fluctuations or loss.

Qualifications & exceptions

• Title can transfer to a third party under the Secured USDC terms of the Coinbase One Card.

Account & Service Control · Company commitment

Coinbase will not sell, loan or pledge your assets except as required by law, as you instruct, or for Secured USDC

Coinbase may not grant a security interest in Supported Digital Assets held in your wallet and will not sell, transfer, loan, hypothecate or otherwise alienate them. Three exceptions apply: (i) as required by law, including in response to an order or claim of garnishment, levy, lien or security interests; (ii) as you instruct, and only where permitted by law; and (iii) if applicable, Secured USDC under the Coinbase One Card with Security Deposit Cardholder Agreement. You consent to those permitted transfers.

Supporting quotations

None of the Supported Digital Assets in your Digital Asset Wallet are the property of, or shall or may be loaned to, Coinbase

Coinbase may not grant a security interest in the Supported Digital Assets held in your Digital Asset Wallet.

Coinbase will not sell, transfer, loan, hypothecate, or otherwise alienate Supported Digital Assets in your Digital Asset Wallet, except: (i) as required by law, including in response to an order or claim of garnishment, levy, lien, or security interests; (ii) as instructed by you (and, when so instructed by you, only where permitted by law); or (iii) if applicable, Secured USDC (defined below), pursuant to the terms of the Coinbase One Card with Security Deposit Cardholder Agreement (defined below) in Appendix 4.

You consent to all such permitted transfers.

Qualifications & exceptions

• The Secured USDC exception applies only if applicable; terms are in the Coinbase One Card agreement referenced in Appendix 4.

Not stated here

• The Coinbase One Card with Security Deposit Cardholder Agreement is separate; its text was not supplied except as summarized in Appendix 4.

Legal Rights & Agreement Rules · Context

Assets are treated as financial assets under California UCC Division 8, with Coinbase as securities intermediary

All Supported Digital Assets credited to your wallet are treated as financial assets under Division 8 of the California Uniform Commercial Code. Coinbase is a securities intermediary for them and your wallet is a securities account for Division 8 purposes. The clause quotes Division 8 for the point that this characterization does not decide how a person, business or transaction is characterized under any other law, including the Commodity Exchange Act or any securities law. Coinbase will follow your instructions on the assets, subject to the Agreement, including the Coinbase One Card section of Appendix 4.

Supporting quotations

All Supported Digital Assets credited to the Digital Asset Wallet will be treated as “financial assets” under Division 8 of the California Uniform Commercial Code

Coinbase is a “securities intermediary” as used in Division 8 with respect to Supported Digital Assets, and your Digital Asset Wallet is a “securities account” as used in Division 8.

“the characterization of a person, business, or transaction for purposes of this division does not determine the characterization of the person, business, or transaction for purposes of any other law, regulation, or rule,” including the United States Commodity Exchange Act and any federal, state, or foreign securities law or regulation.

Coinbase will comply with your instructions with respect to your Supported Digital Assets, subject to the terms of this User Agreement

Qualifications & exceptions

• The treatment applies for Division 8; Coinbase and the clause say it does not decide characterization under other laws such as securities or commodities laws.

Account & Service Control · User right or choice

You control and may withdraw your assets, subject to limits; Coinbase holds the keys; Secured USDC is locked

You control the Digital Assets in your wallet. At any time, subject to outages, downtime, protocol requirements, blockchain processing time, restrictions on Secured USDC and other applicable agreements or policies, you may withdraw Supported Digital Assets by instructing Coinbase to debit your wallet and send them to another blockchain address. While you hold assets with Coinbase, Coinbase keeps control of the electronic private keys for the blockchain addresses it operates, including those holding your assets. If you designate USDC as Secured USDC, you may not withdraw or transfer it, and Coinbase may follow solely the secured party's instructions and entitlement orders without your consent and regardless of any conflicting instruction from you.

Supporting quotations

You control the Digital Assets held in your Digital Asset Wallet.

At any time, subject to outages, downtime, protocol requirements, time to conduct blockchain operations to fulfill your request, restrictions on Secured USDC, and other applicable agreements or policies, you may withdraw your Supported Digital Assets by instructing Coinbase to debit the applicable Supported Digital Asset from your Digital Asset Wallet and transfer the Digital Assets to a different blockchain address.

Coinbase shall retain control over electronic private keys associated with blockchain addresses operated by Coinbase, including the blockchain addresses used to hold the Supported Digital Assets credited to your Digital Asset Wallet.

To the extent you designate any USDC in your Digital Asset Wallet as Secured USDC, you agree that you will be restricted from any withdrawals or transfers of such Secured USDC and that, pursuant to the related Coinbase One Card with Security Deposit Cardholder Agreement, Coinbase may comply solely with the instructions and the entitlement orders of the party designated as the secured party for such Secured USDC without further consent from you, without any regard to any inconsistent or conflicting instructions or entitlement orders given to Coinbase by you.

Qualifications & exceptions

• Withdrawal is subject to outages, protocol requirements, blockchain operation time, Secured USDC restrictions and other agreements or policies.
• Secured USDC withdrawals are restricted and the secured party's instructions control.

Not stated here

• The Coinbase One Card with Security Deposit Cardholder Agreement that governs the secured party's rights was not supplied.

Account & Service Control · Company practice

Coinbase may hold customer assets in shared addresses and need not segregate yours on-chain

To custody assets more securely and effectively, Coinbase may use shared blockchain addresses it controls to hold Supported Digital Assets for customers and/or for Coinbase itself. It keeps separate ledgers for user accounts and for its own accounts, but has no obligation to create a segregated blockchain address for your assets.

Supporting quotations

Coinbase may use shared blockchain addresses, controlled by Coinbase, to hold Supported Digital Assets for Digital Asset Wallets on behalf of customers and/or held on behalf of Coinbase.

Although we maintain separate ledgers for users’ Coinbase Accounts and Coinbase accounts held by Coinbase for its own benefit,

Coinbase shall have no obligation to create a segregated blockchain address for your Supported Digital Assets.

Qualifications & exceptions

• Separate internal ledgers are kept, but on-chain segregation by customer is not promised.

Account & Service Control · Company practice

Voting on protocol governance depends on Coinbase support; Coinbase may vote for you in some cases

For some Digital Assets, stakers can vote on protocol governance. Coinbase may or may not support voting for an asset and may stop supporting it at any time in its discretion. It will follow your instruction to vote to the extent it or an affiliate supports voting for that asset. Where Coinbase or the protocol does not support delegated voting, Coinbase may vote on your behalf, and in those cases will vote with the protocol's recommendation.

Supporting quotations

Coinbase may or may not support voting for such assets, and may cease supporting voting at any time in its discretion.

Coinbase will comply with your instruction to vote your Supported Digital Assets to the extent Coinbase or its affiliate supports voting for such Supported Digital Assets.

In certain cases, Coinbase may vote on your behalf where Coinbase or the applicable protocol does not support delegated voting; in those instances, Coinbase will vote with the protocol’s recommendation.

Qualifications & exceptions

• Following your voting instruction depends on Coinbase or an affiliate supporting voting for that asset.

Charges & Financial Obligations · Company practice

USD cash is pooled in custodial accounts and may be invested; Coinbase keeps the earnings but not for operating expenses

Your USD Wallet holds and transfers US dollars. To the extent your USD is held as cash, the balance is kept in pooled custodial accounts at one or more FDIC- or NCUSIF-insured institutions. Coinbase may also place funds in liquid investments, such as U.S. treasuries or government money market funds, in line with state money transmitter laws, and your funds may be held in any of these ways. Coinbase owns the interest or other earnings on those investments, and says it will not use customer funds for operating expenses or other corporate purposes. You agree Coinbase, acting in good faith in the regular course of business, is custodian of depository records for your cash.

Supporting quotations

Your USD Wallet allows you to hold and transfer USD with your Coinbase Account as described in Section 3 below.

To the extent your USD is held as cash, the balance of your USD Wallet is maintained in pooled custodial accounts at one or more financial institutions insured by the Federal Deposit Insurance Corporation (“FDIC”) or the National Credit Union Share Insurance Fund (“NCUSIF”).

Coinbase may also place your funds in liquid investments, which may include but are not limited to U.S. treasuries or U.S. government money market funds, in accordance with state money transmitter laws. Your funds may be held in any one of these manners.

Coinbase owns the interest or other earnings on these investments. Coinbase will not use customer funds for its operating expenses or any other corporate purposes.

You agree that Coinbase, acting in good faith and in the regular course of business, is the custodian of depository records for your cash held at financial institutions.

Qualifications & exceptions

• Applies 'to the extent your USD is held as cash'; funds may instead be in liquid investments.

Charges & Financial Obligations · Company commitment

USD cash may get pass-through FDIC or NCUSIF insurance up to $250,000, under conditions; Coinbase is not insured

Coinbase's custodial cash accounts are set up to make pass-through FDIC or NCUSIF insurance available up to the per-depositor limit in place, currently $250,000 per individual. Availability depends on factors including Coinbase having correct information about you and keeping accurate records, and on the determination of the relevant federal regulator as receiver when a bank or credit union holding a custodial account fails. Coinbase says it is not an FDIC-insured bank or NCUSIF-insured credit union, and links to a list of insured institutions where it may deposit customer funds. This addresses USD held as cash, not Digital Assets, which the opening risk notice says have no FDIC or SIPC protection.

Supporting quotations

Our custodial cash accounts have been established in a manner to make available pass-through FDIC or NCUSIF insurance available up to the per-depositor coverage limit then in place (currently $250,000 per individual).

Availability of pass-through insurance is contingent upon factors including Coinbase having correct information about you as a customer and maintaining accurate records, and on the determination by the relevant federal regulator as receiver, at the time of a receivership of a bank or credit union holding a custodial account.

Coinbase is not an FDIC-insured bank or NCUSIF-insured credit union.

The current list of the insured depository institutions at which Coinbase may deposit customer funds is located [here]

Qualifications & exceptions

• Pass-through coverage is contingent on Coinbase having correct information and accurate records, and on the federal regulator's determination at the time of a receivership.
• The $250,000 figure is the limit 'currently' in place and may change.

Not stated here

• The linked list of insured depository institutions was not supplied.

Cross-references

• narrows (model-proposed): Coinbase is not SEC-registered; Digital Assets carry no FDIC or SIPC protection (USD cash: see 2.8) — exception_to: The opening risk notice says Digital Assets are not protected or insured by the FDIC or SIPC. Section 2.8 describes pass-through FDIC or NCUSIF insurance that may be available for USD held as cash in the USD Wallet, subject to conditions.

Account & Service Control · User right or choice

Coinbase Vault lets you add approvers to withdrawals; title stays with you

You may choose to hold Supported Digital Assets in Coinbase Vault, which lets you set conditions on transferring them, including adding third-party Approvers to approve withdrawals. Title to assets in the Vault stays with you at all times, and Approvers have no ownership interest in them.

Supporting quotations

You may elect to hold Supported Digital Assets in Coinbase Vault.

Coinbase Vault allows you to create conditions around transfer of your Supported Digital Assets, which may include adding third-parties to approve withdrawals (“Approvers”).

title to Supported Digital Assets in the Coinbase Vault shall at all times remain with you, and Approvers shall have no ownership interest in such Supported Digital Assets.

Charges & Financial Obligations · Restriction or exception

USDC is issued by Circle, not Coinbase; Coinbase holds no USDC reserves and need not repurchase it

You may buy USD Coin (USDC) from Coinbase. USDC is a Digital Asset issued by Circle Internet Financial and supported by Coinbase, and you own the balance of your USDC Wallet. Coinbase is not the issuer, does not hold reserves for USDC and has no obligation to repurchase it for USD. You can redeem USDC with Circle, and Coinbase may also choose to repurchase it for USD. You agree to be bound by the Circle USDC User Agreement, which adds obligations, undertakings and limitations.

Supporting quotations

a Digital Asset issued by Circle Internet Financial (“Circle”) and supported by Coinbase

You are the owner of the balance of your USDC Wallet.

Coinbase is not the issuer of USDC, does not hold reserves for USDC, and has no obligation to repurchase your USDC for USD.

You can redeem your USDC with Circle, and Coinbase may also elect to repurchase your USDC in exchange for USD.

You agree to be bound by the terms of the Circle USDC User Agreement

Not stated here

• The Circle USDC User Agreement is linked but its text was not supplied.

Charges & Financial Obligations · Procedure

USD loads clear in about five business days; name on the bank account must match

You can load funds into your USD Wallet from a valid bank account by ACH or wire transfer. Your USD balance is pending and not credited until the bank transfer clears, usually within five business days, and Coinbase may debit your linked bank account as soon as you initiate payment. The name on your linked bank account and wire transfer must match the name verified on your Coinbase Account.

Supporting quotations

You can load funds into your USD Wallet from a valid bank account via ACH transfer or wire transfer.

Your USD balance is in a pending state and will not be credited to your USD Wallet until after the bank transfer has cleared, usually within five (5) business days.

We may debit your linked bank account as soon as you initiate payment.

The name on your linked bank account and your wire transfer must match the name verified on your Coinbase Account.

Qualifications & exceptions

• Five business days is 'usually', not guaranteed.

Charges & Financial Obligations · Company practice

On the Coinbase Site Coinbase acts as your agent to match you with other customers, not as buyer or seller

When you buy or sell Supported Digital Assets on the Coinbase Site, you are not buying from or selling to Coinbase. Coinbase acts as your agent, transacting on your behalf to facilitate the purchase or sale between you and other Coinbase customers. The clause says this does not include transactions with Third Party Services, which are defined elsewhere.

Supporting quotations

you are not buying Supported Digital Assets from Coinbase or selling Supported Digital Assets to Coinbase

Coinbase acts as the agent, transacting on your behalf, to facilitate that purchase or sale between you and other Coinbase customers.

which, for clarity, does not include transactions with Third Party Services (as defined below)

Qualifications & exceptions

• Excludes transactions with Third Party Services.

Cross-references

• contrast (model-proposed): Coinbase does not broker trades for you; trades execute automatically per your order parameters — contrast: The opening notice says Coinbase does not broker trades on your behalf unless a product says otherwise, while Section 3.2 says that on the Coinbase Site Coinbase acts as your agent, transacting on your behalf to facilitate purchases and sales between customers. The text does not reconcile 'broker' with 'agent'.

Charges & Financial Obligations · Procedure

Valid payment methods, five-second confirmation window, and settlement timing for purchases and sales

You can buy Supported Digital Assets with USD Wallet funds, certain Digital Asset Wallet assets as permitted by Coinbase, a matching-name bank account, a matching-name debit or credit card, Google Pay, Apple Pay, PayPal or a Coinbase gift card (each a Valid Payment Method). Coinbase may cancel a transaction you do not confirm within five seconds after it quotes a price. Purchases generally start on the business day Coinbase receives instructions, and assets are usually deposited in your wallet instantly. You can sell or send purchased assets only once funds settle to Coinbase, which for a bank account or card usually takes up to five business days. Sales can be deposited to your USD Wallet or, where supported, a Digital Asset Wallet.

Supporting quotations

You can purchase Supported Digital Assets on the Coinbase Site using: (i) funds in your USD Wallet; (ii) Supported Digital Assets held in certain Digital Asset Wallets, as permitted by Coinbase; (iii) a valid bank account in the name that matches the name on your Coinbase Account; (iv) a debit or credit card that matches the name on your Coinbase Account; (v) Google Pay; (vi) Apple Pay; (vii) PayPal; or (viii) a Coinbase gift card (each a "Valid Payment Method").

Coinbase reserves the right to cancel any transaction not confirmed by you within five (5) seconds after Coinbase quotes a transaction price.

A purchase of Supported Digital Assets using a Valid Payment Method generally will initiate on the business day we receive your instructions.

You will be able to sell or send Purchased Digital Assets as soon as funds have settled to Coinbase, which in the case of a bank account or credit or debit card usually takes up to five (5) business days.

You can sell Supported Digital Assets and instruct Coinbase to deposit funds into your Coinbase USD Wallet or, where supported, a Digital Asset Wallet.

Qualifications & exceptions

• Timings are 'generally' or 'usually'; settlement for bank and card purchases can take up to five business days.

Charges & Financial Obligations · Company commitment

Coinbase rejects orders it cannot complete and does not charge for rejected transactions

If Coinbase cannot complete a Digital Asset Transaction for any reason, such as price movement, market latency, inability to find a counterparty or order size, it rejects the order and notifies you. You are not charged for a rejected transaction.

Supporting quotations

If Coinbase cannot complete your Digital Asset Transaction for any reason (such as price movement, market latency, inability to find a counterparty for your transaction, or order size), Coinbase will reject the order and notify you of such rejection. You will not be charged for a rejected transaction.

Charges & Financial Obligations · Permission or license

You pay all fees and any spread; Coinbase may change pricing, with 30 days' notice only in some states

Coinbase generally makes money when you buy or sell Supported Digital Assets, and a description of how fees are calculated is on a linked pricing page. By using the Services you agree to pay all fees and, depending on the service, a spread. Coinbase may adjust pricing, fees and waivers at any time, but it may give at least 30 days' prior notice of certain pricing, terms or policy changes to users in some states where the law requires it. It will tell you the final price of each transaction, including pricing and fees, when you authorize it and in each receipt. It may charge network (miner) fees, calculated at its discretion and disclosed at or before authorization. Bank fees charged to Coinbase are netted from transfers, you pay your own provider's fees, and Coinbase will not process a transfer if bank fees exceed its value, though you may deposit more USD to cover them.

Supporting quotations

In general, Coinbase makes money when you purchase or sell Supported Digital Assets on the Coinbase Site.

By using Coinbase Services you agree to pay all fees and, if applicable based on the service, a spread.

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.

We will also notify you of the final price of each transaction, inclusive of pricing and fees, when you authorize the transaction and in each receipt we issue to you.

We may charge network fees (miner fees) to process a Digital Asset Transaction on your behalf. We will calculate the network fee at our discretion, and notify you of the network fee at or before the time you authorize the Digital Asset Transaction.

Bank fees charged to Coinbase are netted out of transfers to or from Coinbase. You are responsible for paying any additional fees charged by your financial service provider. We will not process a transfer if associated bank fees exceed the value of the transfer. You may be required to deposit additional USD to cover bank fees if you desire to complete such a transfer.

Qualifications & exceptions

• The 30-day notice is described as something Coinbase 'may' provide, for certain changes, in some states where required by law.
• Spread is charged 'if applicable based on the service' and is excluded from the fees shown in transaction history (Section 3.7).

Not stated here

• The linked Pricing and Fees Disclosures page was not supplied, so actual fee amounts are unknown.

Charges & Financial Obligations · Permission or license

Recurring purchases run on your authorization until you cancel; Coinbase may suspend or end them

If you set up recurring Digital Asset Transactions, you authorize Coinbase to initiate recurring electronic payments, such as ACH debits or credits to your linked bank account, until you change the settings on the site. Transactions occur at your chosen intervals until you or Coinbase cancels. Those scheduled for the 29th to 31st run on the earlier of the scheduled date or the month's last day. ACH transactions that fall on a weekend, holiday or after bank hours execute the next business day, with fees at the time of the scheduled date. If your bank cannot process a debit, Coinbase will notify you of cancellation and may use remedies in the Agreement to recover amounts owed. You must tell Coinbase of bank account changes beforehand. Coinbase may suspend or delay recurring transactions without notice, or end them by notice to you.

Supporting quotations

you authorize us to initiate recurring electronic payments in accordance with your selected Digital Asset Transaction and any corresponding payment accounts, such as recurring automated clearing house (ACH) debit or credit entries from or to your linked bank account.

This authorization will remain in full force and effect until you change your recurring transaction settings

Recurring transactions scheduled for the 29th, 30th, or 31st day of a month will be processed the earlier of the date scheduled or on the last day of the applicable month.

If you select a U.S. Bank Account as your payment method for a recurring transaction, and such transaction falls on a weekend or holiday, or after bank business hours, the ACH credit or debit will be executed on the next business day, although the Digital Asset fees at the time of the regularly-scheduled transaction will apply.

If your Bank is unable to process any electronic ACH debit entry, we will notify you of cancellation of the transaction and may use the remedies set forth in this User Agreement to recover any amount owed to Coinbase.

Coinbase may, at any time, suspend or delay recurring transactions without notice or terminate recurring transactions by providing notice to you.

Qualifications & exceptions

• Suspension or delay may be without notice; termination is by notice.

Charges & Financial Obligations · User right or choice

You cannot withdraw consent to a purchase, except for a future-dated one until the business day before

Once you instruct Coinbase to buy Supported Digital Assets you cannot withdraw consent, unless the purchase is scheduled for a future date, such as a recurring purchase. For that Future Transaction you may withdraw consent until the end of the business day before it is scheduled, following the site's instructions.

Supporting quotations

you cannot withdraw your consent to that purchase unless the purchase is not scheduled to occur until a future date

In the case of a Future Transaction, you may withdraw your consent up until the end of the business day before the date that the Future Transaction is scheduled to take place.

you must follow the instructions on the Coinbase Site

Charges & Financial Obligations · Restriction or exception

Transactions using your credentials are presumed authorized; report problems fast, reimbursement not guaranteed

When a transaction occurs using your credentials, Coinbase assumes you authorized it unless you tell it otherwise. If you believe a transaction was unauthorized or incorrectly carried out, you must contact Coinbase as soon as possible through the help page or by phone. You should regularly check your wallets and transaction history so you can report problems quickly. Reporting an unauthorized transaction does not guarantee Coinbase can reverse it or reimburse you.

Supporting quotations

When a Digital Asset Transaction or USD transaction occurs using your credentials, we will assume that you authorized such transaction, unless you notify us otherwise.

you must contact us as soon as possible via our help page at [https://help.coinbase.com](https://support.coinbase.com/) or by phone at (888) 908-7930 (international call charges may apply).

It is important that you regularly check your USD Wallet, Digital Asset Wallet, and any other wallets accessible through the Coinbase Site and your transaction history to ensure you notify us as soon as possible of any unauthorized or incorrect transactions.

Reporting an unauthorized transaction does not guarantee Coinbase will be able to reverse the transaction or reimburse you for the transaction.

Qualifications & exceptions

• The presumption of authorization can be rebutted by notifying Coinbase; no reimbursement is guaranteed.

Account & Service Control · Company commitment

You can view wallet balances and transaction history on the site, excluding spread

You can see your USD Wallet and Digital Asset Wallet balances and your transaction history on the site. History shows the amount and currency, a reference to payer or payee, any fees charged (excluding any spread or margin over the prevailing market rate on Coinbase's trading platform), the exchange rate and converted amounts where applicable, and the date.

Supporting quotations

You will be able to see your USD Wallet and Digital Asset Wallet balances using the Coinbase Site.

(iii) any fees charged (excluding any spread, or margin, over the prevailing market rate on Coinbase’s trading platform)

Qualifications & exceptions

• Spread or margin over the prevailing market rate is not itemized as a fee in the history.

Charges & Financial Obligations · Restriction or exception

Completed or pending transactions cannot be reversed by you; Coinbase may cancel, debit other methods or claw back

You cannot cancel, reverse or change a transaction marked complete or pending. If a payment fails, funds are insufficient or you reverse a bank payment, you authorize Coinbase in its sole discretion to cancel the transaction or debit your other payment methods, including wallet balances, to complete it. You are responsible for overdraft or NSF fees from your payment provider. Coinbase may refuse, cancel, correct, claw back or reverse any Digital Asset Transaction or Transfer in its sole discretion, even after funds are debited, in response to a government order or if it suspects money laundering, terrorist financing, fraud or other financial crime, an erroneous transaction, or a Prohibited Use or Business. It then reverses it with no duty to reinstate the order at the same price. Section 4.4 separately says Digital Asset Transfers cannot be reversed once broadcast to the network.

Supporting quotations

You cannot cancel, reverse, or change any transaction marked as complete or pending.

you authorize Coinbase, in its sole discretion, either to cancel the transaction or to debit your other payment methods, including your USD Wallet or Digital Asset Wallet balances or other linked accounts, in any amount necessary to complete the transaction.

We reserve the right to refuse to process, or to cancel, correct, clawback, or reverse, any Digital Asset Transaction or Transfers in our sole discretion, even after funds have been debited from your account(s), in response to a subpoena, court order, or other government order; or if we suspect the transaction may: involve money laundering, terrorist financing, fraud, or any other type of financial crime; be erroneous; or relate to a Prohibited Use or a Prohibited Business as set forth in the [Prohibited Use Policy]

we are under no obligation to reinstate a purchase or sale order at the same price or on the same terms as the canceled transaction.

Digital Asset Transfers cannot be reversed once they have been broadcast to the relevant Digital Asset network

Qualifications & exceptions

• Clawback power applies even after funds are debited, in response to a government order or suspected financial crime, error or prohibited use.
• Digital Asset Transfers broadcast to the network cannot be reversed (Section 4.4).

Not stated here

• The Prohibited Use Policy is linked but its text was not supplied.

Sharing & Disclosure · Permission or license

Coinbase may use third-party processors for US dollar payments

Coinbase may use a third-party payment processor to process any US dollar payment between you and Coinbase, including payments for Digital Asset Transactions and deposits or withdrawals from your USD Wallet or account.

Supporting quotations

3.9. Payment Services Partners. Coinbase may use a third party payment processor to process any US Dollar payment between you and Coinbase, including but not limited to payments in relation to your use of the Digital Asset Transactions or deposits or withdrawals from your USD Wallet or Coinbase Account.

Qualifications & exceptions

• 'May use' - not every payment necessarily goes through a third party.

Not stated here

• The processors are not named.

Account & Service Control · Procedure

A Digital Asset Transfer moves assets to or from third parties or other wallets; test with a small amount first

Your Digital Asset Wallet lets you send Supported Digital Assets to, and request, receive and store them from, third parties through the site. A transfer between your other Digital Asset wallets, including wallets off the site, and to and from third parties is a Digital Asset Transfer. Coinbase recommends sending a small test amount before a significant one.

Supporting quotations

Your Digital Asset Wallet enables you to send Supported Digital Assets to, and request, receive, and store Supported Digital Assets from, third parties

Your transfer of Supported Digital Assets between your other Digital Asset wallets (including wallets off the Coinbase Site) and to and from third parties is a “Digital Asset Transfer”.

We recommend customers send a small amount of Supported Digital Assets as a test before sending a significant amount of Supported Digital Assets.

Account & Service Control · Company practice

A transfer is not complete while pending, and pending assets are unavailable to you

After a Digital Asset Transfer is submitted to a network it is unconfirmed and pending for a time sufficient for network confirmation. A transfer is not complete while pending. Pending transfers from your account show a pending status and those assets are not available to you for use on the site or elsewhere while pending.

Supporting quotations

A Digital Asset Transfer is not complete while it is in a pending state.

Pending Digital Asset Transfers that are initiated from a Coinbase Account will reflect a pending transaction status and are not available to you for use on the Coinbase Site or otherwise while the transaction is pending.

Account & Service Control · Restriction or exception

The sender of an inbound transfer is solely responsible for sending a Supported Digital Asset that matches the address

When you or a third party send Digital Assets to a Coinbase wallet from an external wallet, the person initiating the transaction is solely responsible for executing it properly, including making sure the asset is a Supported Digital Asset matching the wallet address and any required Destination Tag or Memo. By initiating an Inbound Transfer you attest that it is a Supported Digital Asset matching the address. Examples: selecting an Ethereum address means attesting you send only Ethereum, not Bitcoin or Ethereum Classic, and a Bitcoin address means only Bitcoin, not Bitcoin Cash or Ethereum.

Supporting quotations

the person initiating the transaction is solely responsible for executing the transaction properly, which includes ensuring that the Digital Asset being sent is a Supported Digital Asset that conforms to the particular wallet address to which funds are directed, including any required Destination Tag/Memo.

By initiating an Inbound Transfer, you attest that you are transacting in a Supported Digital Asset that conforms to the particular wallet address to which funds are directed.

If you select an Ethereum wallet address to receive funds, you attest that you are initiating an Inbound Transfer of Ethereum alone, and not any other Digital Asset such as Bitcoin or Ethereum Classic.

If you select a Bitcoin wallet address to receive funds, you attest that you are initiating an Inbound Transfer of Bitcoin alone, and not any other Digital Asset such as Bitcoin Cash or Ethereum.

Charges & Financial Obligations · Restriction or exception

Unsupported or mismatched assets sent to Coinbase are lost; any recovery attempt is discretionary and may cost fees

Coinbase has no obligation for unsupported Digital Assets sent to an account or Supported Digital Assets sent to an incompatible wallet address, and you will lose them. For some lost assets Coinbase may, in its sole discretion, offer an attempt at recovery, may charge fees calculated at its discretion and disclosed at or before authorization, and the amount recovered may differ from the estimate. Coinbase does not evaluate the authenticity, safety or security of unsupported assets, and is not liable for any loss during the recovery attempt or later use of recovered assets.

Supporting quotations

Coinbase incurs no obligation whatsoever with regard to unsupported Digital Assets sent to a Coinbase Account or with regard to Supported Digital Assets sent to an incompatible Digital Asset wallet address. If you send unsupported Digital Assets to a Coinbase Account or Supported Digital Assets to an incompatible Digital Asset wallet address, then you will lose those Digital Assets.

For some lost Digital Assets, Coinbase may in its sole discretion offer you the option to attempt a recovery.

We may charge fees to process the recovery attempt on your behalf. We will calculate all fees at our discretion, and notify you of the applicable fees at or before the time you authorize the recovery attempt.

The actual amount recovered may differ from the estimated recovery amount.

Coinbase does not evaluate the authenticity, safety, or security of unsupported Digital Assets. You acknowledge and agree that Coinbase is not liable for any loss incurred during the recovery attempt or subsequent use of the recovered Digital Asset.

Qualifications & exceptions

• Recovery is offered only 'for some' lost assets and at Coinbase's sole discretion.

Not stated here

• Fee amounts are on the linked Pricing and Fees page, which was not supplied.

Charges & Financial Obligations · Restriction or exception

Coinbase may change supported assets; you may owe network fees and inbound transfers can stall

Coinbase may from time to time decide which types of Digital Assets are supported or stop supporting them. You may have to pay network or miner fees for an inbound transfer to succeed. Insufficient network fees can leave an inbound transfer pending on a decentralized network outside Coinbase's control. Coinbase is not responsible for delays or losses from an error in initiating the transaction and cannot reverse such transactions.

Supporting quotations

Coinbase may from time to time determine types of Digital Assets that will be supported or cease to be supported.

you may be required to pay network or miner’s fees in order for an Inbound Transfer transaction to be successful

Insufficient network fees may cause an Inbound Transfer to remain in a pending state on a decentralized network outside of Coinbase’s control, and we are not responsible for delays or loss incurred as a result of an error in the initiation of the transaction and cannot reverse such transactions.

Charges & Financial Obligations · Restriction or exception

Outbound transfers follow your instruction and cannot be reversed once broadcast; Coinbase disclaims entry errors

Outbound transfers to external wallets are executed at your instruction. You should verify all details before submitting. Coinbase bears no liability if you enter an incorrect address or Destination Tag/Memo or send to an incompatible wallet, and does not guarantee the identity or value received by the recipient. Transfers cannot be reversed once broadcast, though they may be pending while network operators process them, and Coinbase does not control the network or guarantee confirmation. It may cancel or refuse pending outbound transfers as required by law or by any court or authority, and may require you to wait after a transaction before further Services or transactions beyond certain volume limits.

Supporting quotations

such transfers are executed at your instruction by Coinbase. You should verify all transaction information prior to submitting instructions to us.

Coinbase shall bear no liability or responsibility in the event you enter an incorrect blockchain destination address, incorrect Destination Tag/Memo, or if you send your Supported Digital Assets to an incompatible wallet.

We do not guarantee the identity or value received by a recipient of an Outbound Transfer.

Digital Asset Transfers cannot be reversed once they have been broadcast to the relevant Digital Asset network, although they may be in a pending state, and designated accordingly, while the transaction is processed by network operators.

Coinbase does not control the Digital Asset network and makes no guarantees that a Digital Asset Transfer will be confirmed by the network.

We may cancel or refuse to process any pending Outbound Digital Asset Transfers as required by law or any court or other authority to which Coinbase is subject in any jurisdiction.

we may require you to wait some amount of time after completion of a transaction before permitting you to use further Coinbase Services and/or before permitting you to engage in transactions beyond certain volume limits.

Qualifications & exceptions

• Coinbase may cancel or refuse pending outbound transfers only 'as required by law or any court or other authority'.
• Waiting periods and volume limits may be imposed before further use of the Services.

Account & Service Control · Procedure

Sending to an email address invites the recipient to open an account; unclaimed transfers return after 30 days

You can start a Digital Asset Transfer to a Coinbase customer by entering their email address. If the recipient has no Coinbase account, Coinbase invites them to open one. If they do not open an account within thirty days, Coinbase returns the Supported Digital Asset to your wallet.

Supporting quotations

4.5. Transfers to a Recipient Email Address. Coinbase allows you to initiate a Digital Asset Transfer to a Coinbase customer by designating that customer’s email address. If you initiate a Digital Asset Transfer to an email address, and the recipient does not have an existing Coinbase Account, we will invite the recipient to open a Coinbase Account. If the recipient does not open a Coinbase Account within thirty (30) days, we will return the relevant Supported Digital Asset to your Digital Asset Wallet.

Charges & Financial Obligations · Permission or license

Coinbase may debit your account or withhold transfers to recover amounts you owe; Secured USDC is generally protected

If you owe Coinbase amounts under the Agreement, including in your account, Coinbase may debit your account and/or withhold amounts from funds you transfer between your accounts. Secured USDC will not be debited for what you owe, although it may be transferred to a third party under the Coinbase One Card section of Appendix 4. Coinbase may debit Secured USDC if it stops being designated as secured, under the Coinbase One Card with Security Deposit Cardholder Agreement.

Supporting quotations

Coinbase reserves the right to debit your Coinbase Account accordingly and/or to withhold amounts from funds you may transfer between your Coinbase Accounts.

Any Secured USDC will not be debited by Coinbase for any amount you owe to Coinbase

such Secured USDC may be transferred to a third party as further explained in the Coinbase One Card section of Appendix 4.

Coinbase may debit such Secured USDC in the event it is no longer designated as “secured”

Qualifications & exceptions

• Secured USDC is protected from debits for amounts you owe only while designated as secured.

Data Access & Collection · Restriction or exception

You warrant that personal data you give about other people is lawful, accurate and accompanied by our Privacy Policy

Coinbase may process personal data about you and any data you provide about employees or other associated individuals. You represent and warrant that any disclosure of others' personal data complied with data protection and privacy laws and is accurate, up to date and relevant. Before giving such data you must have read the Privacy Policy and, for another individual's data, given them a copy, and you must promptly read and pass on any replacement Privacy Policy Coinbase provides.

Supporting quotations

we may process personal data in relation to you (if you are an individual), and personal data that you have provided or in the future provide to us in relation to your employees and other associated individuals, in connection with this Agreement, or the Coinbase Services.

(i) your disclosure to us of any personal data relating to individuals other than yourself was or will be made in accordance with all applicable data protection and data privacy laws, and such data are accurate, up to date and relevant when disclosed;

(ii) before providing any such personal data to us, you have read and understood our [Privacy Policy]

(iii) if from time to time we provide you with a replacement version of the [Privacy Policy](https://www.coinbase.com/legal/privacy?locale=en-US), you will promptly read that notice and provide a copy to any individual whose personal data you have provided to us.

Qualifications & exceptions

• The clause also covers personal data about your employees and other associated individuals.

Not stated here

• The Privacy Policy, which governs actual processing, was not supplied.

Security & Safeguards · Restriction or exception

Report suspected account compromise or security incidents immediately; prompt reporting does not guarantee reimbursement

If you suspect your account or security details are compromised, or know of fraud, attempted fraud or any security incident including a cyber-attack affecting you or Coinbase, you must notify Coinbase Support immediately and give accurate, up-to-date information throughout. You must take any steps Coinbase reasonably requires to reduce or manage the breach. Prompt reporting does not guarantee Coinbase will reimburse you or be liable for your losses.

Supporting quotations

you must notify Coinbase Support immediately

provide accurate and up to date information throughout the duration of the Security Breach

You must take any steps that we reasonably require to reduce or manage any Security Breach.

Prompt reporting of a Security Breach does not guarantee that Coinbase will reimburse you for any losses suffered or be liable to you for any losses suffered as a result of the Security Breach.

Security & Safeguards · Restriction or exception

Coinbase disclaims liability for viruses, phishing and spoofing and advises logging in through the site

Coinbase is not liable for damage or interruptions from computer viruses, other malicious code, phishing, spoofing or other attacks affecting your equipment. It advises using reputable virus protection and warns that SMS and email are vulnerable to spoofing and phishing. If unsure whether a message really came from Coinbase, log in through the Coinbase Site to review transactions or required actions.

Supporting quotations

We shall not bear any liability, whatsoever, for any damage or interruptions caused by any computer viruses or other malicious code that may affect your computer or other equipment, or any phishing, spoofing or other attack.

SMS and email services are vulnerable to spoofing and phishing attacks

Always log into your Coinbase Account(s) through the Coinbase Site to review any transactions or required actions

Content & IP Rights · Permission or license

Coinbase owns its content; you get a limited, non-transferable licence and may not copy or exploit it

All content in or made available through the Services and site, such as text, graphics, logos, images, audio, downloads, data compilations and software, belongs to Coinbase, its affiliates or content providers and is protected by copyright. Coinbase grants you a limited, nonexclusive, nontransferable license, subject to the Agreement, to access and use the Services, site and Content solely for purposes Coinbase approves from time to time. Any other use is prohibited. You may not copy, transmit, distribute, sell, license, reverse engineer, modify, publish, create derivative works from, or otherwise exploit the Content without Coinbase's prior written consent.

Supporting quotations

All content included in or made available through the Coinbase Services, Coinbase Site or any related content, materials and information such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software (collectively, the “Content”) is the property of Coinbase or its affiliates or its content providers and protected by United States and international copyright laws.

We grant you a limited, nonexclusive, nontransferable license, subject to the terms of this Agreement, to access and use the Coinbase Services, Coinbase Site, and Content solely for purposes approved by Coinbase from time to time.

Any other use of the Coinbase Services, Coinbase Site or Content is expressly prohibited

You agree you will not copy, transmit, distribute, sell, license, reverse engineer, modify, publish, or participate in the transfer or sale of, create derivative works from, or in any other way exploit any of the Content, in whole or in part without the prior written consent of Coinbase.

Qualifications & exceptions

• Use is limited to purposes Coinbase approves from time to time; the restrictions can be lifted only by Coinbase's prior written consent.

Content & IP Rights · Restriction or exception

Coinbase trademarks and trade dress may not be used without written consent

Coinbase says its names, logos and related graphics, including a non-exhaustive list of marks, are trademarks or trade dress of Coinbase or its licensors in the United States and other countries. You may not copy, imitate or use them without Coinbase's prior written consent for any purpose, including in connection with unauthorized products or services, in a way likely to confuse customers, or in a way that disparages or discredits Coinbase. The source text runs the end of the licence sentence directly into this trademark passage.

Supporting quotations

and the following non-exhaustive list, including COINBASE, COINBASE Logo, C Logo, COINBASE EXCHANGE, ROSETTA, COSTA, SKEW, TOSHI, COINBASE ONE, and BISON TRAILS; and without limitation, any graphics, logos, button icons, and service names included in or made available through any Content, and all logos related to the Coinbase Services or displayed on the Coinbase Site are either trademarks or trade dress of Coinbase or its licensors in the United States and other countries.

You may not copy, imitate or use them without Coinbase's prior written consent for any purpose, including without limitation, in: connection with any product or service that is not authorized by Coinbase; any manner that is likely to cause confusion among customers; or a way that disparages or discredits Coinbase.

Qualifications & exceptions

• The list of marks is non-exhaustive.

Legal Rights & Agreement Rules · Restriction or exception

Site information may be inaccurate or change without notice; decisions based on it are your responsibility

Coinbase intends to give accurate, timely information, but the site and Content may be inaccurate, incomplete or out of date and may have technical or typographical errors. Information, including about policies, products and services, may change without notice. You should verify information before relying on it, all decisions based on site information are your sole responsibility, and Coinbase has no liability for them. Third-party information, including historical price and supply data, is informational only and Coinbase makes no representation or warranty about its accuracy.

Supporting quotations

the Coinbase Site (including, without limitation, the Content) may not always be entirely accurate, complete or current

information may be changed or updated from time to time without notice

you should verify all information before relying on it, and all decisions based on information contained on the Coinbase Site are your sole responsibility and we shall have no liability for such decisions.

Information provided by third parties, including historical price and supply data for Digital Assets, is for informational purposes only and Coinbase makes no representations or warranties to its accuracy.

Linking & Identification · Restriction or exception

Links to third-party sites are a convenience; Coinbase is not responsible for them

Coinbase may link to third-party materials, including websites, as a convenience. It does not control them and you acknowledge it is not responsible for any aspect of the information, content or services in third-party materials or on third-party sites linked from the Coinbase Site.

Supporting quotations

Links to third-party materials (including without limitation websites) may be provided as a convenience but are not controlled by us.

we are not responsible for any aspect of the information, content, or services contained in any third-party materials or on any third-party sites accessible or linked to the Coinbase Site.

Account & Service Control · Restriction or exception

You stay responsible for, and indemnify Coinbase against, third parties you let access your account

To the extent Coinbase permits it, if you give a third party express permission to access or connect to your account, you remain responsible under the Agreement. You are fully responsible for all acts or omissions of any third party with access to your account, agree not to hold Coinbase responsible, and will indemnify Coinbase for any liability arising from them. You can change or remove those permissions at any time through the Account Settings page.

Supporting quotations

If, to the extent permitted by Coinbase from time to time, you grant express permission to a third party to access or connect to your Coinbase Account(s), either through the third party's product or service or through the Coinbase Site,

does not relieve you of any of your responsibilities under this Agreement

You are fully responsible for all acts or omissions of any third party with access to your Coinbase Account(s).

you will not hold Coinbase responsible for, and will indemnify Coinbase from, any liability arising out of or related to any act or omission of any third party with access to your Coinbase Account(s).

You may change or remove permissions granted by you to third parties with respect to your Coinbase Account(s) at any time through the tabs on the Account Settings page on the Coinbase Site.

Qualifications & exceptions

• Third-party access is allowed only to the extent Coinbase permits from time to time.

Content & IP Rights · Restriction or exception

You must own or be licensed to share your content, keep it lawful and policy-compliant; Coinbase may remove or label it

Some Services let you share your own content. Before sharing, you promise that you own and control the intellectual property rights (or have the needed license) and that it is lawful. Content must follow applicable policies, including the Content Policy. Coinbase may remove it at its discretion, without notice or liability, and may remove it without notice if it violates policy. You may be asked to make disclosures or label your content, and doing so inaccurately may lead to removal. Coinbase may label or categorize your content and let other users do so, which may affect how it is displayed.

Supporting quotations

you promise and attest that you own and control all of the intellectual property rights to Your Content (or that you have the necessary license rights to the content) and that Your Content is lawful.

We reserve the right to remove Your Content at our discretion, without notice and without liability.

You agree that all of Your Content posted on our Services must comply with all policies applicable to your use of Coinbase Services, features or products, including our [Content Policy]

failing to do so accurately may result in Your Content being removed

We also reserve the right to label or categorize Your Content and allow other users to label or categorize Your Content.

Not stated here

• The linked Content Policy was not supplied.

Content & IP Rights · Permission or license

You keep your content but give Coinbase a worldwide, perpetual, sublicensable licence to use it

When you share content through the Services you keep your intellectual property rights but grant Coinbase a worldwide, non-exclusive, royalty-free, sublicensable, perpetual and transferable license to host, publish, display, perform, reproduce, copy, distribute, communicate, modify, reformat, translate or otherwise use it, including text, images, video, audio, files and communications, to operate, improve, develop and promote the Services. If you believe content on Coinbase NFT infringes your rights, you agree to use the notice procedures on the Content Removals page. Coinbase says it follows the DMCA and responds to properly submitted notices, and repeat infringers may have their accounts disabled.

Supporting quotations

you retain your intellectual property rights in Your Content and you provide us with the following license to use Your Content: by using our Services you grant us a worldwide, non-exclusive, royalty-free, sublicensable, perpetual, and transferable license to host, publish, display, perform, reproduce, copy, distribute, communicate, modify, reformat, translate, or otherwise use Your Content (including your text, images, video, graphics, audio, files, communications, and any other content you provide) to operate, improve, develop, and promote our Services.

you agree to submit a notice of claimed intellectual property infringement using the procedures described on our Content Removals page

We comply with the Digital Millennium Copyright Act ("DMCA") and we will respond to a properly submitted notification of claimed copyright infringement in accordance with our DMCA procedures.

repeat infringers may have their Coinbase Account disabled

Qualifications & exceptions

• The licence covers use to operate, improve, develop and promote the Services; it is perpetual and sublicensable.

Not stated here

• The Content Removals page and DMCA procedures were not supplied.

Charges & Financial Obligations · Restriction or exception

Your transaction volume may be limited, varies by payment method and verification, and Coinbase can change it

Use of the Services may be subject to a limit on the USD volume you can transact or transfer in a given period such as daily. You can see your limits in your account settings. Limits may vary by payment method, verification steps completed and other factors. You can request higher limits through help, but Coinbase may change limits and refuse to raise them in its sole discretion. Appendix 1 adds that Coinbase may require more information or a waiting period before allowing transactions beyond certain volume limits.

Supporting quotations

The use of all Coinbase Services may be subject to a limit on the amount of volume, stated in U.S. Dollar terms, you may transact or transfer in a given period (e.g., daily).

Your transaction limits may vary depending on your payment method, verification steps you have completed, and other factors.

you may submit a request at

Coinbase reserves the right to change applicable limits, and to refuse to raise your limits, as we deem necessary in our sole discretion.

Coinbase may require you to provide or verify additional information, or to wait some amount of time after completion of a transaction, before permitting you to use any Coinbase Services and/or before permitting you to engage in transactions beyond certain volume limits.

Qualifications & exceptions

• Limits may be changed and increases refused at Coinbase's sole discretion.

Charges & Financial Obligations · Company practice

Dormant funds may be handed to the state as unclaimed property

If Coinbase holds funds in your account, whether fiat or Supported Digital Assets, and has no record of you accessing the Services for several years, applicable law may require it to deliver the funds, or their USD equivalent, to the applicable state or jurisdiction as unclaimed property.

Supporting quotations

6.6. Unclaimed Property. If Coinbase is holding funds (whether fiat currency or Supported Digital Assets) in your account, and has no record of you accessing the Services for several years, applicable law may require Coinbase to deliver any such funds (or their USD equivalent) to the applicable state or jurisdiction as unclaimed property.

Qualifications & exceptions

• Depends on applicable law and on 'several years' of no recorded access; the period is not specified.

Not stated here

• The number of years of inactivity is not stated.

Security & Safeguards · Restriction or exception

You must secure your credentials; Coinbase is not liable for compromised credentials or Trusted Contacts

You are responsible for creating a strong password and keeping secure all devices, IDs, emails, passwords, PINs, API keys and other codes used to access the Services, and for keeping your email and phone current to receive notices. Loss or compromise may allow third parties to access your account and cause loss of assets and funds, including linked bank accounts and credit cards. You should never allow remote access or share your screen when logged in. Coinbase says it will never ask for your passwords, 2-factor codes or screen sharing. It is not liable for loss from compromised login credentials, including passkeys, or from your use of Trusted Contacts, or for your failure to act on notices. If you think your account is compromised, contact Support immediately.

Supporting quotations

You are responsible for creating a strong password and maintaining security and control of any and all electronic devices, IDs, email addresses, passwords, hints, personal identification numbers (PINs), API keys or any other codes that you use to access the Coinbase Services.

You are responsible for keeping your email address and telephone number up to date in your Account Profile in order to receive any notices or alerts that we may send you.

You should never allow remote access or share your computer and/or computer screen

Coinbase will never under any circumstances ask you or your Trusted Contacts for your passwords, 2-factor authentication codes, or to screen share

Coinbase is not liable for any loss that you may sustain due to the compromise of your account login credentials (including passwordless credentials such as Passkeys and any other means of authentication) or resulting from your use of the Trusted Contacts feature.

Coinbase is also not liable for your failure to follow or act on any notices or alerts that we may send to you.

Account & Service Control · User right or choice

You may nominate Trusted Contacts to verify your identity, and you are responsible for choosing them

You may nominate two or more Trusted Contacts to verify your identity when you take certain actions, such as account recovery. You are responsible for choosing individuals you know personally and trust, for being able to reach them when needed, and for keeping the list up to date. Actions taken by your Trusted Contacts may result in unauthorized access to your account and loss or theft of assets.

Supporting quotations

you may choose to nominate two or more trusted contacts (“Trusted Contacts”) to verify your identity when you take certain actions on your account, such as account recovery.

You are responsible for ensuring that any Trusted Contacts you appoint are individuals that you know personally and trust, that you are able to contact them if and when you need to take certain actions, and that you keep your designated Trusted Contacts up to date.

actions taken by your Trusted Contacts may result in unauthorized access to your Coinbase Account

Legal Rights & Agreement Rules · Restriction or exception

You are responsible for your taxes; Coinbase reports to authorities and withholds where law requires

The tax treatment of Digital Asset transactions is uncertain, and you are solely responsible for working out, reporting and paying any taxes. Coinbase gives no investment, legal or tax advice. Coinbase will report information about your transactions, payments, transfers or distributions to a tax or governmental authority where applicable law requires, and will withhold taxes where required. It will periodically ask for tax documentation or taxpayer-status certification, and failing to comply in the time given may result in withholding or remission of taxes to a tax authority as required by law.

Supporting quotations

it is your responsibility to determine what taxes, if any, arise from transactions using Coinbase Services under this Agreement.

You understand that Coinbase shall report information with respect to your transactions, payments, transfers, or distributions made by or to you with respect to your activities using Coinbase Services to a tax or governmental authority to the extent such reporting is required by applicable law.

Coinbase also shall withhold taxes applicable to your transactions or to payments or distributions made or deemed made to you to the extent such withholding is required by applicable law.

From time to time, Coinbase shall ask you for tax documentation or certification of your taxpayer status as required by applicable law, and any failure by you to comply with this request in the time frame identified may result in withholding and/or remission of taxes to a tax authority as required by applicable law.

Qualifications & exceptions

• Reporting and withholding occur to the extent required by applicable law.

Account & Service Control · Company practice

On evidence of death Coinbase freezes the account; a designated fiduciary must open a new account to access it

If Coinbase receives legal documentation of your death, or information leading it to believe you have died, it freezes your account and no transactions can complete until your designated fiduciary opens a new account and the whole account is moved there, or Coinbase receives proof satisfactory to it that you have not died. You authorize Coinbase to make inquiries, directly or through third parties, to find out whether you have died. After satisfactory proof of death, your fiduciary must open a new account to access the contents. If you have not designated a fiduciary, Coinbase may treat any person entitled to inherit your account as fiduciary, based on documents it deems necessary such as a will, trust or small estate affidavit, or may require a court order designating one. If it is uncertain whether a designation is valid, it may require a court order first.

Supporting quotations

if we receive legal documentation confirming your death or other information leading us to believe you have died, we will freeze your Coinbase Account and during this time, no transactions may be completed until: (i) your designated fiduciary has opened a new Coinbase Account, as further described below, and the entirety of your Coinbase Account has been transferred to such new account; or (ii) we have received proof in a form satisfactory to us that you have not died.

you authorize us to make inquiries, whether directly or through third parties, that we consider necessary to ascertain whether you have died.

your designated fiduciary will be required to open a new Coinbase Account in order to gain access

If you have not designated a fiduciary, then we reserve the right to (i) treat as your fiduciary any person entitled to inherit your Coinbase Account, as determined by us upon receipt and review of the documentation we, in our sole discretion, deem necessary or appropriate, including (but not limited to) a will, a living trust or a small estate affidavit; or (ii) require an order designating a fiduciary from a court having competent jurisdiction over your estate.

In the event we determine, in our sole discretion, that there is uncertainty regarding the validity of the fiduciary designation, we reserve the right to require an order resolving such issue from a court of competent jurisdiction before taking any action relating to your Coinbase Account.

Qualifications & exceptions

• Proof must be in a form satisfactory to Coinbase, which has sole discretion on documentation and on doubts about a designation.

Account & Service Control · Permission or license

Coinbase may suspend, restrict or terminate access at any time for any reason, without explanation

Coinbase may suspend, restrict or terminate your access to any or all Services, and deactivate or cancel your accounts, with immediate effect for any reason at its sole discretion, without disclosing details. Its decision may rest on confidential criteria essential to its risk management and security protocols, which it need not disclose. After deactivation or cancellation you can still transfer Supported Digital Assets or funds out of your hosted wallets for ninety days, unless prohibited by applicable law (including sanctions programs) or a facially valid subpoena or court order.

Supporting quotations

Coinbase may suspend, restrict, or terminate your access to any or all of the Coinbase Services, and/or deactivate or cancel your Coinbase Account(s), with immediate effect for any reason at its sole discretion and is under no obligation to disclose the details of its decision to take such action with you.

may be based on confidential criteria that are essential to Coinbase's risk management and security protocols

You will be permitted to transfer Supported Digital Assets or funds associated with your hosted Digital Asset Wallet(s) and/or your USD Wallet(s) for ninety (90) days after Account deactivation or cancellation

unless such transfer is otherwise prohibited (i) under applicable law, including but not limited to applicable sanctions programs; or (ii) by a facially valid subpoena or court order.

Qualifications & exceptions

• The 90-day transfer window does not apply where transfers are prohibited by law, sanctions programs, or a facially valid subpoena or court order.

Account & Service Control · User right or choice

You may close your account for free at any time, but must pay amounts owed; pending transactions may be cancelled

You can close your account at any time through the account closing page. There is no charge for closing, though you must pay any outstanding amounts owed to Coinbase, and you authorize Coinbase to cancel or suspend any pending transactions at the time of closure.

Supporting quotations

You may close your Coinbase Account(s) at any time by visiting

You will not be charged for closing your Coinbase Account(s), although you will be required to pay any outstanding amounts owed to Coinbase.

You authorize us to cancel or suspend any pending transactions at the time of account closure.

Account & Service Control · Permission or license

Coinbase may discontinue or change products and move you to a similar one, with notice only where required or applicable

Coinbase may discontinue or change any product, service or feature at any time in its sole discretion. You agree it may transfer you to a reasonably similar product or service, to the extent one exists. It will give prior notice of material changes, discontinuation or transfer only to the extent required or applicable.

Supporting quotations

Coinbase may discontinue or change any product, service, or feature, in its sole discretion, at any time.

You agree that we may transfer you to a product or service that is reasonably similar to the discontinued or changed product or service, to the extent such product or service exists.

We will provide you with prior notice of material changes, discontinuation, or the transfer related to a product, service, or feature, to the extent required or applicable.

Qualifications & exceptions

• Prior notice is promised only 'to the extent required or applicable'.

Legal Rights & Agreement Rules · Restriction or exception

Use of the Services must comply with export controls, antiterrorism laws and sanctions, including OFAC lists

Your use of the Services is subject to applicable law, including export restrictions, end-user restrictions, antiterrorism laws and economic sanctions. By sending, receiving, buying, selling, trading or storing Digital Assets through the Services you agree to comply with all applicable laws. You may not acquire Digital Assets or use the Services if that would violate applicable laws, including UN Security Council, U.S. (including OFAC SDN and other restricted party lists and comprehensively sanctioned jurisdictions) and any other federal, state, municipal or local laws.

Supporting quotations

Your use of the Coinbase Services and the Site is subject to applicable law including but not limited to export restrictions, end-user restrictions, antiterrorism laws, and economic sanctions.

you agree that you will comply with all applicable laws

You are not permitted to acquire Digital Assets or use any of the Coinbase Services through the Site if doing so would violate applicable laws and regulations, including but not limited to those of the United Nations Security Council, the United States (including prohibiting dealings with sanctioned persons identified by the U.S. Department of the Treasury’s Office of Foreign Assets Control Specially Designated Nationals and Blocked Persons (“SDN”), or other U.S. non-SDN restricted or prohibited parties lists, and those prohibiting dealings with persons organized, resident, or located in comprehensively sanctioned jurisdictions), and/or any other applicable federal, state, municipal or local laws and regulations (each as amended from time to time).

Use & Processing · User right or choice

By opting in you consent to recurring automated texts; consent is voluntary and you can reply STOP

By opting in you confirm your mobile number is accurate and that you are its current subscriber or owner, and expressly agree to receive recurring automated texts from Coinbase. Consent is not required to make any purchase and is completely voluntary. Message and data rates may apply and frequency varies. You can opt out any time by replying STOP, or get help by replying HELP, and you agree to a final confirmation text. Because Coinbase may use different numbers for different programs, texting STOP to one number does not stop all programs; you must text STOP to each number. Coinbase, carriers and service providers are not responsible for delayed or undelivered texts.

Supporting quotations

you verify that the mobile number provided to Coinbase is true and accurate and that you are the current subscriber or owner of any telephone number that you provide.

you expressly agree to receive recurring automated text messages (such as SMS, MMS, or successor protocols or technologies) from Coinbase and understand that consent is not required to make any purchase.

Your consent to receive automated texts is completely voluntary.

You may opt-out at any time by replying STOP

You acknowledge and agree to accept a final text message confirming your opt-out.

texting STOP to one number will not effectuate a stop request for all text messaging programs to which you are subscribed. If you would like to stop messages from multiple numbers, text STOP to each number to which you would like to unsubscribe.

Coinbase, carriers and other service providers which support Coinbase in delivering text messages are not responsible for any delayed or undelivered text messages.

Qualifications & exceptions

• Opt-out by STOP applies per sending number.

Legal Rights & Agreement Rules · Restriction or exception

You indemnify Coinbase for claims, including under the TCPA, arising from a phone number you provide that is not yours

You agree to indemnify, defend and hold Coinbase harmless from claims, losses, liability, costs and expenses, including reasonable attorneys' fees, arising from privacy, tort or other claims, including under the Telephone Consumer Protection Act or state equivalents, including claims relating to your voluntary provision of a telephone number that is not owned by you.

Supporting quotations

You agree to indemnify, defend, and hold harmless Coinbase for any claims, losses, liability, costs and expenses (including reasonable attorneys’ fees) arising from any privacy, tort or other claims, including claims under the Federal Telephone Consumer Protection Act or any state law equivalents, including claims relating to your voluntary provision of a telephone number that is not owned by you.

Sharing & Disclosure · Company commitment

Text-message opt-in consent is not shared with third parties other than telecom technology providers

Coinbase says opt-in consent for text messages is not shared with any third party, except telecommunication technology providers, such as aggregators and providers of text message services, as defined in its Privacy Policy.

Supporting quotations

Opt-in consent for text messages is not shared with any third party, except telecommunication technology providers (e.g. aggregators and providers of text message services) as defined in our Privacy Policy.

Qualifications & exceptions

• Exception for telecommunication technology providers as defined in the Privacy Policy.

Not stated here

• The Privacy Policy definition of telecommunication technology providers was not supplied.

Legal Rights & Agreement Rules · Procedure

Legal documents must be served on Coinbase's registered agent, and only if addressed exactly to Coinbase, Inc.

Feedback and general questions go through the Customer Support webpage. Coinbase requires all legal documents, including civil subpoenas, complaints and small claims, to be served on its registered agent for service of process. The agent accepts service only if the named recipient exactly matches the entity registered with the Secretary of State, Coinbase, Inc. Accepting service does not waive any objections Coinbase may raise.

Supporting quotations

If you have feedback, or general questions, contact us via our Customer Support webpage

Coinbase requires that all legal documents (including civil subpoenas, complaints, and small claims) be served on our registered agent for service of process.

our registered agent will accept service only if the entity identified as the recipient of the document identically matches the name of the entity registered with the Secretary of State and for which our registered agent is authorized to accept service (Coinbase, Inc.).

By accepting service of a legal document, Coinbase does not waive any objections

Legal Rights & Agreement Rules · Restriction or exception

Try Support, then the Formal Complaint Process, before arbitration or small claims, or the claim is dismissed

If you have a complaint, you agree to contact Coinbase's support team first to try to resolve it. If that fails, you agree to complete the Formal Complaint Process before filing any arbitration claim or small claims action described in Appendix 5. If you do not complete it, you agree your claim or action must be dismissed from arbitration or small claims court. Appendix 5 separately provides how small claims and arbitration work.

Supporting quotations

you agree to first contact Coinbase through our support team to attempt to resolve any such dispute amicably.

you agree to use the Formal Complaint Process set forth below before filing any arbitration claim or small claims action as described further in Appendix 5 below.

You must complete the Formal Complaint Process before filing any arbitration or small claims action. If you do not complete it, then you agree that your claim or action must be dismissed from arbitration or small claims court.

Qualifications & exceptions

• Applies to both arbitration claims and small claims actions.

Legal Rights & Agreement Rules · Procedure

Formal complaint: use the complaint form or mail; process ends on Coinbase's response or 45 business days

If Support does not resolve the dispute, you describe it on Coinbase's complaint form, including how you want it resolved, or send a written complaint by mail to Coinbase, Inc. at the New York address, including your support case number. Coinbase acknowledges receipt, and a customer relations agent reviews it based on your information and what Coinbase holds. The process is complete when Coinbase responds or forty-five business days after it receives the complaint, whichever happens first.

Supporting quotations

you agree to use our complaint form to describe your dispute, how you would like us to resolve the complaint, and any other relevant information.

If you prefer to send a written complaint via mail, please include as much information as possible in describing your complaint and how you would like us to resolve the complaint, including your support case number and any other relevant information to Coinbase, Inc., 228 Park Ave S #23008, New York, NY, 10003.

We will acknowledge receipt of your complaint form after you submit it.

The Formal Complaint Process is completed when Coinbase responds to your complaint or forty-five (45) business days after the date we receive your complaint, whichever occurs first.

Legal Rights & Agreement Rules · Restriction or exception

You agree to be bound by the Arbitration Agreement in Appendix 5

Section 7.3 states you agree to be bound by the Arbitration Agreement in Appendix 5. The operative arbitration terms, exceptions and procedures are in Appendix 5 and its own cards.

Supporting quotations

You agree to be bound by the Arbitration Agreement in Appendix 5 to this Agreement.

Legal Rights & Agreement Rules · Restriction or exception

You release Coinbase from claims over disputes with other users and indemnify it for your breaches or violations

If you have a dispute with one or more other users of the Services, you release Coinbase, its affiliates, service providers and their officers, directors, agents, joint venturers, employees and representatives from all claims, demands and damages of every kind connected with such disputes. You also agree to indemnify and hold them harmless from any claim or demand, including attorneys' fees and fines, fees or penalties imposed by regulators, arising from your breach of the Agreement or your violation of any law, rule, regulation or third-party rights.

Supporting quotations

If you have a dispute with one or more users of the Coinbase Services, you release Coinbase, its affiliates and service providers, and each of their respective officers, directors, agents, joint venturers, employees and representatives from any and all claims, demands and damages (actual and consequential) of every kind and nature arising out of or in any way connected with such disputes.

You agree to indemnify and hold Coinbase, its affiliates and service providers, and each of its or their respective officers, directors, agents, joint venturers, employees and representatives, harmless from any claim or demand (including attorneys' fees and any fines, fees or penalties imposed by any regulatory authority) arising out of or related to your breach of this Agreement or your violation of any law, rule or regulation, or the rights of any third party.

Legal Rights & Agreement Rules · Restriction or exception

Liability is capped at your wallet value and excludes indirect losses, except gross negligence or fraud

Coinbase, its affiliates, service providers and their personnel are not liable for more than the value of the Supported Digital Assets in your Digital Asset Wallet at the time of the event giving rise to your claim, or for lost profits, goodwill, data, business opportunity or special, incidental, indirect, intangible or consequential damages, whether in contract, tort, negligence or otherwise, even if warned of the possibility. The exception is where a final judicial determination finds the damages resulted from Coinbase's gross negligence, fraud, willful misconduct or intentional violation of law. For example, if Coinbase failed to process a buy or sell properly, damages are limited to the lesser of the transaction's asset value or your wallet total, and you cannot recover damages relating to assets that are not Supported Digital Assets. Some jurisdictions do not allow these exclusions, so the limit may not apply to you.

Supporting quotations

IN NO EVENT SHALL COINBASE, ITS AFFILIATES AND SERVICE PROVIDERS, OR ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, AGENTS, JOINT VENTURERS, EMPLOYEES OR REPRESENTATIVES, BE LIABLE (I) FOR ANY AMOUNT GREATER THAN THE VALUE OF THE SUPPORTED DIGITAL ASSETS ASSOCIATED WITH YOUR DIGITAL ASSET WALLET AT THE TIME OF THE EVENT OR CIRCUMSTANCE GIVING RISE TO YOUR CLAIM

OR (II) FOR ANY LOST PROFITS, LOSS OF GOODWILL OR REPUTATION, LOSS OF DATA, DIMINUTION IN VALUE OR BUSINESS OPPORTUNITY, ANY LOSS, DAMAGE, CORRUPTION OR BREACH OF DATA OR ANY OTHER INTANGIBLE PROPERTY OR ANY SPECIAL, INCIDENTAL, INDIRECT, INTANGIBLE, OR CONSEQUENTIAL DAMAGES, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE

EXCEPT TO THE EXTENT OF A FINAL JUDICIAL DETERMINATION THAT SUCH DAMAGES WERE A RESULT OF COINBASE’S GROSS NEGLIGENCE, FRAUD, WILLFUL MISCONDUCT OR INTENTIONAL VIOLATION OF LAW.

IF YOU CLAIM THAT COINBASE FAILED TO PROCESS A BUY OR SELL TRANSACTION PROPERLY, YOUR DAMAGES ARE LIMITED TO NO MORE THAN THE LESSER OF THE VALUE OF THE SUPPORTED DIGITAL ASSETS AT ISSUE IN THE TRANSACTION OR THE TOTAL VALUE OF THE SUPPORTED DIGITAL ASSETS ASSOCIATED WITH YOUR DIGITAL ASSET WALLET, AND THAT YOU MAY NOT RECOVER FOR LOST PROFITS, LOST BUSINESS OPPORTUNITIES, DIMINUTION IN VALUE OR OTHER TYPES OF SPECIAL, INCIDENTAL, INDIRECT, INTANGIBLE, EXEMPLARY, PUNITIVE OR CONSEQUENTIAL DAMAGES ​OR ANY DAMAGES ARISING OUT OF OR RELATING TO DIGITAL ASSETS THAT ARE NOT SUPPORTED DIGITAL ASSETS.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

Qualifications & exceptions

• The cap is tied to the value of Supported Digital Assets in your wallet at the time of the event.
• The gross negligence, fraud, willful misconduct and intentional violation of law exception requires a final judicial determination.
• Local law may override: some jurisdictions do not allow these limits (see also the New Jersey clause).

Legal Rights & Agreement Rules · Restriction or exception

Services are provided as is and as available with no warranties, including no guarantee of uptime or order execution

The Services are provided "as is" and "as available" without express, implied or statutory warranty. To the maximum extent permitted by law, Coinbase disclaims implied warranties of title, merchantability, fitness for a particular purpose and non-infringement. It does not warrant that access will be continuous, uninterrupted, timely or error-free, or guarantee that any order will be executed, accepted, recorded or remain open. You acknowledge you did not rely on any statement other than the express statements in the Agreement.

Supporting quotations

THE COINBASE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY REPRESENTATION OR WARRANTY, WHETHER EXPRESS, IMPLIED OR STATUTORY.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, COINBASE SPECIFICALLY DISCLAIMS ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND/OR NON-INFRINGEMENT.

COINBASE DOES NOT MAKE ANY REPRESENTATIONS OR WARRANTIES THAT ACCESS TO THE COINBASE SITE, ANY PART OF THE COINBASE SERVICES, OR ANY OF THE MATERIALS CONTAINED THEREIN, WILL BE CONTINUOUS, UNINTERRUPTED, TIMELY, OR ERROR-FREE.

COINBASE DOES NOT GUARANTEE THAT ANY ORDER WILL BE EXECUTED, ACCEPTED, RECORDED OR REMAIN OPEN.

EXCEPT FOR THE EXPRESS STATEMENTS SET FORTH IN THIS AGREEMENT, YOU HEREBY ACKNOWLEDGE AND AGREE THAT YOU HAVE NOT RELIED UPON ANY OTHER STATEMENT OR UNDERSTANDING, WHETHER WRITTEN OR ORAL, WITH RESPECT TO YOUR USE AND ACCESS OF THE COINBASE SERVICES AND COINBASE SITE.

Qualifications & exceptions

• Implied-warranty disclaimer applies to the maximum extent permitted by applicable law.

Legal Rights & Agreement Rules · Restriction or exception

Coinbase is not liable for losses from price data errors, viruses, glitches, or actions taken on your account

Without limiting the disclaimers, Coinbase says it will not be liable for losses or damages arising from: inaccurate, defective or missing digital asset price data or errors, delays or interruptions in transmitting it; viruses or malicious software obtained by accessing its sites, systems or services or any linked site; glitches, bugs, errors or inaccuracies in its sites, software, systems or services; or a suspension or other action taken on your account.

Supporting quotations

WITHOUT LIMITING THE FOREGOING, YOU HEREBY UNDERSTAND AND AGREE THAT COINBASE WILL NOT BE LIABLE FOR ANY LOSSES OR DAMAGES ARISING OUT OF OR RELATING TO: (I) ANY INACCURACY, DEFECT OR OMISSION OF DIGITAL ASSET PRICE DATA, OR ANY ERROR, DELAY OR INTERRUPTION IN THE TRANSMISSION OF SUCH DATA; (II) VIRUSES OR OTHER MALICIOUS SOFTWARE OBTAINED BY ACCESSING OUR WEBSITES, SOFTWARE, SYSTEMS OPERATED BY US OR ON OUR BEHALF OR ANY OF THE COINBASE SERVICES OR ANY WEBSITE OR SERVICE LINKED TO OUR WEBSITE; (III) GLITCHES, BUGS, ERRORS, OR INACCURACIES OF ANY KIND IN OUR WEBSITES, SOFTWARE, SYSTEMS OPERATED BY US OR ON OUR BEHALF OR ANY OF THE COINBASE SERVICES; OR (IV) A SUSPENSION OR OTHER ACTION TAKEN WITH RESPECT TO YOUR COINBASE ACCOUNT.

Charges & Financial Obligations · Company commitment

Coinbase makes reasonable efforts on bank and card debits and credits but gives no processing-time warranty

Coinbase will make reasonable efforts to process requests for electronic debits and credits involving bank accounts, credit cards and check issuances in a timely manner. It makes no representation or warranty about how long processing takes, which depends on many factors outside its control.

Supporting quotations

Coinbase will make reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts, credit cards, and check issuances are processed in a timely manner but Coinbase makes no representations or warranties regarding the amount of time needed to complete processing which is dependent upon many factors outside of our control.

Legal Rights & Agreement Rules · Restriction or exception

For New Jersey residents, the Section 8.2 limits apply only to the extent New Jersey law permits

If you are a New Jersey resident, the provisions of Section 8.2 (limitation of liability and no warranty) apply only to the extent permitted under New Jersey law.

Supporting quotations

IF YOU ARE A NEW JERSEY RESIDENT, the provisions of this Section 8.2 are intended to apply only to the extent permitted under New Jersey law.

Qualifications & exceptions

• Applies only to New Jersey residents.

Legal Rights & Agreement Rules · Context

Coinbase says the damages, liability and no-warranty limits are fundamental to the bargain

The Agreement states that the limitations of damages, liability and no-warranty provisions in Section 8.2 are fundamental elements of the basis of the bargain between you and Coinbase.

Supporting quotations

The foregoing limitations of damages, liability and no warranty provisions set forth above in this Section 8.2 are fundamental elements of the basis of the bargain between Coinbase and you.

Legal Rights & Agreement Rules · Restriction or exception

The Agreement, named policies and appendices are the entire agreement and replace prior versions

This Agreement, the Privacy Policy, E-Sign Disclosure and Consent Policy, Prohibited Use Policy and appendices incorporated by reference are the entire agreement between you and Coinbase on the subject and supersede all earlier discussions, agreements and understandings, including prior versions. Section headings are for convenience and do not govern interpretation. Note that this list does not name the Cookie Policy, which the opening acceptance clause names among the terms you accept.

Supporting quotations

This Agreement, the Privacy Policy, E-Sign Disclosure and Consent Policy, Prohibited Use Policy, and Appendices incorporated by reference herein comprise the entire understanding and agreement between you and Coinbase as to the subject matter hereof, and supersedes any and all prior discussions, agreements and understandings of any kind (including without limitation any prior versions of this Agreement),

Section headings in this Agreement are for convenience only and shall not govern the meaning or interpretation of any provision of this Agreement.

including our [Privacy Policy](https://www.coinbase.com/legal/privacy), [Cookie Policy](https://www.coinbase.com/legal/cookie), [Prohibited Use Policy](https://www.coinbase.com/legal/prohibited_use) and E-Sign Disclosure and Consent Policy in Appendix 2

Qualifications & exceptions

• The preamble lists the Cookie Policy among terms you accept; Section 9.1 omits it from the entire-agreement list.

Not stated here

• Whether the Cookie Policy is part of the entire agreement is not stated.

Cross-references

• contrast (model-proposed): Signing up for or holding a Coinbase token or stablecoin means you accept the agreement and named policies — contrast: The opening acceptance clause names the Cookie Policy among the terms you accept, while the entire-agreement clause lists the Privacy Policy, E-Sign Disclosure and Consent Policy, Prohibited Use Policy and appendices without naming the Cookie Policy.

Legal Rights & Agreement Rules · Permission or license

Coinbase may assign its rights, and transfer collected information on a merger; you cannot assign yours

Coinbase reserves the right to assign its rights without restriction, including to affiliates, subsidiaries or any successor to a business tied to the Services. If Coinbase is acquired by or merged with another entity, it reserves the right to transfer or assign the information it has collected from you as part of the merger, acquisition, sale or change of control. You may not assign any rights or licenses under the Agreement, and any attempt is void. The Agreement binds the parties' successors and permitted assigns.

Supporting quotations

We reserve the right to assign our rights without restriction, including without limitation to any Coinbase affiliates or subsidiaries, or to any successor in interest of any business associated with the Coinbase Services.

In the event that Coinbase is acquired by or merged with a third party entity, we reserve the right, in any of these circumstances, to transfer or assign the information we have collected from you as part of such merger, acquisition, sale, or other change of control.

You may not assign any rights and/or licenses granted under this Agreement. Any attempted transfer or assignment by you in violation hereof shall be null and void.

Qualifications & exceptions

• Applies in a merger, acquisition, sale or other change of control.

Legal Rights & Agreement Rules · Context

Invalid provisions are reinterpreted to achieve their aim; terms that naturally extend beyond termination survive

If a provision is found invalid or unenforceable, it will be changed and interpreted to accomplish its objectives to the greatest extent possible under applicable law without affecting other provisions. Provisions that by their nature extend beyond expiration or termination survive, including suspension or termination, account cancellation, debts owed to Coinbase, general use of the site, disputes with Coinbase and general provisions.

Supporting quotations

such provision will be changed and interpreted to accomplish the objectives of the provision to the greatest extent possible under any applicable law and the validity or enforceability of any other provision of this Agreement shall not be affected.

All provisions of this Agreement which by their nature extend beyond the expiration or termination of this Agreement, including, without limitation, sections pertaining to suspension or termination, Coinbase Account cancellation, debts owed to Coinbase, general use of the Coinbase Site, disputes with Coinbase, and general provisions, shall survive the termination or expiration of this Agreement.

Legal Rights & Agreement Rules · Restriction or exception

Coinbase is not liable for delays or failures caused by events beyond its reasonable control

Coinbase is not liable for delays, failure in performance or service interruption caused directly or indirectly by any cause beyond its reasonable control, including significant market volatility, acts of God, authorities, terrorists, civil disturbance, war, strikes, fire, telecommunications or Internet interruption, equipment or software failure, pandemic or other catastrophe. This does not affect the validity of remaining provisions.

Supporting quotations

We shall not be liable for delays, failure in performance or interruption of service which result directly or indirectly from any cause or condition beyond our reasonable control, including but not limited to, significant market volatility, act of God, act of civil or military authorities, act of terrorists, civil disturbance, war, strike or other labor dispute, fire, interruption in telecommunications or Internet services or network provider services, failure of equipment and/or software, pandemic, other catastrophe or any other occurrence which is beyond our reasonable control

shall not affect the validity and enforceability of any remaining provisions

Qualifications & exceptions

• The list of events is non-exhaustive and includes significant market volatility and failure of equipment or software.

Legal Rights & Agreement Rules · Restriction or exception

Non-waivable rights stay in force, and Coinbase's failure to enforce a term is not a waiver

The Agreement does not waive rights that cannot be waived under applicable law, including state money transmission laws in the state where you are located. Coinbase's failure to insist on strict performance or to exercise a right is not a waiver of its right to rely on that provision or right in that or any other instance.

Supporting quotations

This Agreement shall not be construed to waive rights that cannot be waived under applicable laws, including applicable state money transmission laws in the state where you are located.

our failure to insist upon or enforce strict performance by you of any provision of this Agreement or to exercise any right under this Agreement will not be construed as a waiver or relinquishment to any extent of our right to assert or rely upon any such provision or right in that or any other instance.

Legal Rights & Agreement Rules · Context

Coinbase is an independent contractor; no partnership, joint venture or agency with you

Coinbase is an independent contractor for all purposes. The Agreement creates no partnership or joint venture between you and Coinbase and does not authorize you to act as Coinbase's agent. This sits beside Section 3.2, where Coinbase acts as your agent in facilitating trades.

Supporting quotations

9.7. Relationship of the Parties. Coinbase is an independent contractor for all purposes. Nothing in this Agreement is intended to or shall operate to create a partnership or joint venture between you and Coinbase, or authorize you to act as agent of Coinbase.

Legal Rights & Agreement Rules · Restriction or exception

California law governs the Agreement and any Dispute, subject to the Federal Arbitration Act and federal law

You and Coinbase agree California law, without regard to conflict-of-laws principles, governs the Agreement and any Dispute, except to the extent governed by the Federal Arbitration Act or other applicable federal law.

Supporting quotations

9.8. Governing Law. You and we agree that the laws of the State of California, without regard to principles of conflict of laws, will govern the Agreement and any Dispute, except to the extent governed by the Federal Arbitration Act or other applicable federal law.

Qualifications & exceptions

• Federal Arbitration Act or other applicable federal law governs to its extent.

Legal Rights & Agreement Rules · Restriction or exception

Class, representative and mass actions and jury trials are waived, subject to the Batch Arbitration Provision

Except as specified in the Batch Arbitration Provision, each side may bring claims only individually, not as a class, representative, collective or mass action such as a mass arbitration, and waives rights to bring or join those actions in arbitration or court to the maximum extent permitted by law. This does not prevent either side from participating in a class-wide settlement. You and Coinbase also waive any right to a jury trial, and to the extent a dispute is in court it is resolved by a judge in a bench trial. The text refers to the Batch Arbitration Provision as set forth 'above'; the arbitration terms appear in Appendix 5.

Supporting quotations

except as specified in the Batch Arbitration Provision set forth above, each of us may bring claims against the other only on an individual basis and not on a class, representative, or collective basis or as part of a mass action (such as a mass arbitration), and the parties hereby waive all rights to bring or to participate in such actions in arbitration or in court to the maximum extent permitted by applicable law.

This provision does not prevent you or Coinbase from participating in a class-wide settlement of claims.

YOU AND WE AGREE TO WAIVE OUR RIGHTS TO A JURY TRIAL.

To the extent that any Dispute proceeds in court, and to the maximum extent permitted by applicable law, you and we agree to waive any right to a jury trial and have such matter resolved by a judge (also known as a bench trial).

Qualifications & exceptions

• Waiver applies to the maximum extent permitted by applicable law, and the Batch Arbitration Provision is an exception.

Not stated here

• The 'Batch Arbitration Provision set forth above' is not located above this clause in the source order; it is addressed in Appendix 5.

Cross-references

• contrast (model-proposed): Claims must be individual: no class, representative or mass actions; injunctive relief limited to the claimant — contrast: Section 9.9 refers to the Batch Arbitration Provision as set forth above, while the Appendix 5 waiver refers to the Batch Arbitration provision as set forth below. The Batch Arbitration provision appears in Appendix 5.

Legal Rights & Agreement Rules · Restriction or exception

Non-arbitrable disputes and challenges to the arbitration terms go to New York courts; small claims excepted

Unless you and Coinbase agree otherwise, and to the maximum extent permitted by law, the state and federal courts in New York, New York have exclusive jurisdiction over any Dispute that is not subject to arbitration and over any action about the applicability or enforceability of the Dispute Resolution section 7 or any part of it, including the Arbitration Agreement in Appendix 5. Small claims are the exception: the parties agree to resolve Disputes in a small claims court of competent jurisdiction. Both sides consent to those courts and waive objections based on personal jurisdiction, inconvenient forum, venue or any right to transfer. Section 9.8 separately selects California law.

Supporting quotations

Unless you and Coinbase agree otherwise, to the maximum extent permitted by applicable law, the state and federal courts in New York, New York (except for small claims courts, in which case you and we agree to resolve our Disputes in a small claims court of competent jurisdiction) will have exclusive jurisdiction over any Dispute that is not subject to arbitration

or over any action involving the applicability or enforceability of the Dispute Resolution section 7 or any portion of the Dispute Resolution section (including the Arbitration Agreement, Appendix 5).

(except for small claims courts, in which case you and we agree to resolve our Disputes in a small claims court of competent jurisdiction)

You and Coinbase consent to the exclusive jurisdiction of these courts and waive any objections as to: (1) personal jurisdiction or (2) the laying of venue in such courts because of inconvenient forum or any other basis or right to seek to transfer or change venue of any such action to another court.

Qualifications & exceptions

• Applies unless the parties agree otherwise and to the maximum extent permitted by applicable law.
• Small claims courts of competent jurisdiction are an exception to the New York courts.

Cross-references

• contrast (model-proposed): California law governs the Agreement and any Dispute, subject to the Federal Arbitration Act and federal law — contrast: Section 9.8 chooses California law for the Agreement and any Dispute, while Section 9.10 chooses New York courts for non-arbitrable Disputes and challenges to the arbitration terms. Law and forum differ; neither text says one overrides the other.

Data Access & Collection · Company practice

Coinbase verifies identity under KYC/AML rules, and your limits depend on the identity information you provide

Coinbase says it must identify users to comply with know-your-customer and anti-money laundering laws. It collects and verifies information about you to protect Coinbase and the community from fraudulent users and to keep records of its customers. Your daily or weekly conversion limits, withdrawal and trading limits, Instant Buy limits, USD Wallet transfer limits and limits on payment-method transactions depend on the identifying information and proof of identity you provide.

Supporting quotations

we are required to identify users on our platform. This ensures we remain in compliance with KYC/AML laws in the jurisdictions in which we operate, something that is necessary for us to be able to continue to offer Digital Asset exchange services to our customers.

Coinbase collects and verifies information about you in order to: (i) protect Coinbase and the community from fraudulent users; and (ii) to keep appropriate records of Coinbase's customers.

Your daily or weekly Conversion limits, withdrawal and trading limits, Instant Buy limits, USD Wallet transfer limits, and limits on transactions from a linked payment method are based on the identifying information and/or proof of identity you provide to Coinbase.

Account & Service Control · Restriction or exception

US customers must provide basic details, certify they are 18+, accept the agreements and verify identity

All U.S. customers who want to use the Services must set up an account by giving their name, valid email address, a password and state of residence; certifying they are 18 or older; accepting the User Agreement and Privacy Policy; and verifying identity by submitting the information listed in the next card.

Supporting quotations

All U.S. customers who wish to use Coinbase Services are required to establish a Coinbase Account by:

Providing your name and valid email address, a password and your state of residence;

Certifying that you are 18 years or older;

Accepting User Agreement and Privacy Policy; and

Verifying your identity by submitting the following information:

Data Access & Collection · Company practice

Verification asks for name, birth date, address, SSN or ID number, source of funds, income and activity details

To verify identity you submit your name, date of birth, physical address, SSN (or an ID number from a government-issued ID) and source of funds. Income or employment information and an explanation of activity are listed as US only.

Supporting quotations

Name

DOB

Physical address

SSN (or ID # from gov’t issued ID)

Source of funds

Income/employment information (US only)

Explanation of activity (US only)

Qualifications & exceptions

• Income/employment information and explanation of activity are marked 'US only'.

Data Access & Collection · Restriction or exception

Sending or receiving Digital Assets on the blockchain requires a copy of an ID and a selfie

All U.S. customers who want to send and receive Digital Assets on the blockchain must submit a copy of an acceptable ID (passport, state driver's license or state identification card) and a picture of themselves or a selfie from a webcam or mobile phone.

Supporting quotations

All U.S. customers who wish to send and receive Digital Assets on to the blockchain are required to:

Submit a copy of an acceptable form of identification (i.e. passport, state driver's license, or state identification card); and

Submit a picture of yourself or a selfie from your webcam or mobile phone.

Account & Service Control · Permission or license

Coinbase may require more information or a waiting period beyond the minimum steps; limits shown on your Limits page

Despite these minimum verification procedures, Coinbase may require you to provide or verify more information, or to wait some time after a transaction, before allowing you to use any Services or to transact beyond certain volume limits. You can see the volume limits for your verification level on your account's Limits page.

Supporting quotations

Notwithstanding these minimum verification procedures for the referenced Coinbase Services, Coinbase may require you to provide or verify additional information, or to wait some amount of time after completion of a transaction, before permitting you to use any Coinbase Services and/or before permitting you to engage in transactions beyond certain volume limits.

You may determine the volume limits associated with your level of identity verification by visiting your account's [Limits](https://www.coinbase.com/verifications) page.

Charges & Financial Obligations · Procedure

Requests for larger limits require Enhanced Due Diligence, may cost extra and are not guaranteed

You can contact Coinbase to request larger limits. Coinbase will require you to submit to Enhanced Due Diligence, additional fees and costs may apply, and Coinbase does not guarantee it will raise your limits.

Supporting quotations

You may contact us at [https://help.coinbase.com](https://help.coinbase.com/) to request larger limits. Coinbase will require you to submit to Enhanced Due Diligence. Additional fees and costs may apply, and Coinbase does not guarantee that we will raise your limits.

Qualifications & exceptions

• Enhanced Due Diligence is required for the request; fees and costs 'may apply'.

Not stated here

• The Enhanced Due Diligence process and any fees are not described.

Legal Rights & Agreement Rules · Permission or license

Coinbase may amend the E-Sign policy at any time, effective on posting, with prior notice of material changes

This E-Sign policy describes how Coinbase delivers communications to you electronically. Coinbase may amend it at any time by posting a revised version on its website, effective when posted, and will give prior notice of any material changes via its website.

Supporting quotations

This policy describes how Coinbase delivers communications to you electronically. We may amend this policy at any time by providing a revised version on our website. The revised version will be effective at the time we post it. We will provide you with prior notice of any material changes via our website.

Legal Rights & Agreement Rules · Permission or license

You consent to receive all communications electronically and to use electronic signatures

You agree to receive electronically all communications, agreements, documents, notices and disclosures Coinbase provides in connection with your accounts and use of the Services. These include the terms and policies you agree to and their updates, account details, history, receipts and confirmations, legal, regulatory and tax disclosures, and responses to claims or support inquiries. You consent to electronic signatures and specifically opt in to the Paperless Delivery of Tax Forms Agreement, which you can opt out of at any time via the same settings link.

Supporting quotations

You agree and consent to receive electronically all communications, agreements, documents, notices and disclosures (collectively, "Communications") that we provide in connection with your Coinbase Account(s) and your use of Coinbase Services. Communications include:

Terms of use and policies you agree to (e.g., the Coinbase User Agreement and Privacy Policy), including updates to these agreements or policies;

Account details, history, transaction receipts, confirmations, and any other Account or transaction information;

Legal, regulatory, and tax disclosures or statements we may be required to make available to you; and

Responses to claims or customer support inquiries filed in connection with your Account.

You consent to the use of electronic signatures in connection with your use of the Services.

You specifically agree, opt in and consent to Paperless Delivery of Tax Forms Agreement available at [https://accounts.coinbase.com/taxes/settings](https://accounts.coinbase.com/taxes/settings). You may opt out at any time via the same link.

Qualifications & exceptions

• Paperless tax form delivery can be opted out of at any time through the settings link.

Not stated here

• The Paperless Delivery of Tax Forms Agreement was not supplied.

Use & Processing · Company practice

Coinbase may deliver communications by site posting, email, chat, text message or push notification

Coinbase will provide communications by posting them on the site, emailing the primary email address in your profile, instant chat, and/or other electronic means such as text message or mobile push notification.

Supporting quotations

We will provide these Communications to you by posting them on the Coinbase Site, emailing them to you at the primary email address listed in your Coinbase profile, communicating to you via instant chat, and/or through other electronic communication such as text message or mobile push notification.

Account & Service Control · Restriction or exception

Electronic communications require an Internet-connected device, plus the items listed in the next card

To access and retain electronic communications you need certain computer hardware and software. The first listed item is a device with an Internet connection; the browser, email address and storage requirements follow.

Supporting quotations

In order to access and retain electronic Communications, you will need the following computer hardware and software:

A device with an Internet connection;

Account & Service Control · Restriction or exception

You also need a current encrypted browser with cookies, a valid email address, and storage or a printer

The remaining requirements for electronic communications are a current web browser with 128-bit encryption and cookies enabled (examples given include Internet Explorer 9.0 and above, Firefox 3.6 and above, Chrome 31.0 and above, or Safari 7.0 and above), a valid primary email address on file with Coinbase, and enough storage space to save past communications or a printer to print them.

Supporting quotations

A current web browser that includes 128-bit encryption (e.g. Internet Explorer version 9.0 and above, Firefox version 3.6 and above, Chrome version 31.0 and above, or Safari 7.0 and above) with cookies enabled;

A valid email address (your primary email address on file with Coinbase); and

Sufficient storage space to save past Communications or an installed printer to print them.

Legal Rights & Agreement Rules · User right or choice

You can withdraw e-consent, but Coinbase may then close your account or charge paper fees

You may withdraw your consent to receive communications electronically by contacting Coinbase. If you do not provide or if you withdraw consent, Coinbase reserves the right to immediately close your account or charge you additional fees for paper copies.

Supporting quotations

You may withdraw your consent to receive Communications electronically by contacting us

If you fail to provide or if you withdraw your consent to receive Communications electronically, Coinbase reserves the right to immediately close your Coinbase Account or charge you additional fees for paper copies.

Qualifications & exceptions

• Consequences are at Coinbase's election: immediate account closure or additional fees for paper copies.

Legal Rights & Agreement Rules · Restriction or exception

You must keep contact details current; communications are deemed delivered even if you do not receive them

You are responsible for giving Coinbase a true, accurate, complete email address and contact information and keeping them current. If Coinbase sends an electronic communication you do not receive because your primary email is incorrect, out of date, blocked by your provider or you are otherwise unable to receive it, Coinbase is deemed to have provided it. You can update your information in account settings or by contacting support.

Supporting quotations

It is your responsibility to provide us with a true, accurate and complete e-mail address and your contact information, and to keep such information up to date.

if Coinbase sends you an electronic Communication but you do not receive it because your primary email address on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, Coinbase will be deemed to have provided the Communication to you.

You may update your information by logging into your account and visiting settings or by contacting our support team

Legal Rights & Agreement Rules · Context

Coinbase holds money transmission licenses in many states, which can affect your Services; state notices follow

Coinbase says it holds licenses to engage in money transmission in many states and that those licenses may affect its provision and your use of certain Services depending on where you live. Its licenses and required disclosures are on the Coinbase Licenses page, which the Agreement incorporates by reference. The state-by-state information that follows applies if you live in the listed jurisdictions.

Supporting quotations

Coinbase maintains licenses to engage in money transmission activities in many states, and these licenses may impact our provision and your use of certain Coinbase Services depending on where you live. Coinbase's licenses and corresponding required disclosures can be found on the [Coinbase Licenses](https://coinbase.com/legal/licenses) page, which is incorporated by reference.

If you live in the following jurisdictions, we are required to provide you with the following information:

Qualifications & exceptions

• State-specific information applies to residents of the listed jurisdictions.

Not stated here

• The Coinbase Licenses page is incorporated by reference but its text was not supplied.

Legal Rights & Agreement Rules · Procedure

Alaska: unresolved issues go to the State of Alaska Division of Banking & Securities

For Alaska residents, if Coinbase has not resolved an issue, formal complaints go to the State of Alaska, Division of Banking & Securities. The appendix points to a downloadable complaint form and a Juneau mailing address, and gives a regulator email and phone number (the phone number is written out in words in the source).

Supporting quotations

Alaska If your issue is unresolved by Coinbase, Inc., 1-888-908-7930, please submit formal complaints with the State of Alaska, Division of Banking & Securities.

Please download the form here: [https://www.commerce.alaska.gov/web/portals/3/pub/DBSGeneralComplaintFormupdated.pdf](https://www.commerce.alaska.gov/web/portals/3/pub/DBSGeneralComplaintFormupdated.pdf)

Submit formal complaint form with supporting documents: Division of Banking & Securities PO Box 110807 Juneau, AK 99811-0807

If you are an Alaska resident with questions regarding formal complaints, please email us at dbs.licensing@alaska.gov or call Nine Zero Seven Four Six Five Two Five Two One

Legal Rights & Agreement Rules · Procedure

Arizona: contact Coinbase first, then the state complaint form, e-licensing portal or Financial Institutions Division

For Arizona, complain to Coinbase first. If a complaint about its money transmission activity stays unresolved, you may use the state's Online Complaint Form, the AZ e-Licensing Portal, or call the AZ Financial Institutions Division.

Supporting quotations

Arizona If you have a complaint, please contact Coinbase, Inc. at 1-888-908-7930 or [https://help.coinbase.com/en/contact­-us](https://help.coinbase.com/en/contact-us). If you still have an unresolved complaint regarding Coinbase, lnc.'s money transmission activity, you may complete an Online Complaint Form as stated on the File a Complaint against a Financial Institution or Enterprise page: [https://difi.az.gov/complaint](https://difi.az.gov/complaint)

Or the AZ e-Licensing Portal for filing a complaint: [https://elicense.az.gov/ARDC_FileComplaint](https://elicense.az.gov/ARDC_FileComplaint)

Or you may call the AZ Financial Institutions Division: (602) 771-2800 | Toll-free: (800) 544-0708

Legal Rights & Agreement Rules · Procedure

Arkansas: contact Coinbase first, then file a complaint form with the state securities department

For Arkansas, complain to Coinbase first. If a complaint about its money transmission activity remains unresolved, you may file the completed complaint form by email or mail with the Arkansas regulator at the listed Little Rock address.

Supporting quotations

Arkansas If you have a complaint, please contact Coinbase, Inc. at 1-888-908-7930 or [https://help.coinbase.com/en/contact-us](https://help.coinbase.com/en/contact-us).

If you still have an unresolved complaint regarding Coinbase, Inc.'s money transmission activity, you may file the completed complaint form by e-mailing to ASDInfo@securities.arkansas.gov or by mailing at:

1 COMMERCE WAY, SUITE 402 LITTLE ROCK, ARKANSAS 72202 TELEPHONE: (501) 324-9260 FACSIMILE: (501) 324-9268

Charges & Financial Obligations · Company commitment

California: the Coinbase Fee is capped at $10 under $200 and 6% above that, with the actual fee shown at order time

For California residents, Coinbase charges a Coinbase Fee when you buy, sell or convert cryptocurrency, which may be discounted by payment method. For cryptocurrency valued under $200 the fee will not exceed $10; for all other transactions it will not exceed 6% of the USD value. The fee you actually pay is calculated and displayed when you place the order and may depend on payment method, order size, market conditions and jurisdictional location. A link covers other fees.

Supporting quotations

California Please note the following disclosures for California resident customers of Coinbase, Inc.:

Coinbase charges a Coinbase Fee when you buy, sell, or convert cryptocurrencies. The Coinbase Fee may be discounted based on the payment method you select. For transactions involving cryptocurrency valued under $200, the Coinbase Fee will not exceed $10. For all other transactions, the Coinbase Fee will not exceed 6% of the USD value of the cryptocurrency. Despite these maximums, the Coinbase Fee you will actually pay (which will not exceed the maximum) is calculated and displayed to you at the time you place your order and may be determined by a combination of factors, like your selected payment method, the size of the order, market conditions, and/or jurisdictional location. Please [see here](https://help.coinbase.com/en/coinbase/trading-and-funding/pricing-and-fees/fees) for more information regarding other fees.

Qualifications & exceptions

• Maximums apply to the Coinbase Fee only; other fees are described on a linked page.
• The actual fee varies within the cap based on payment method, order size, market conditions and/or jurisdictional location.

Not stated here

• The linked fees page was not supplied, so other fees are unknown.

Cross-references

• narrows (model-proposed): You pay all fees and any spread; Coinbase may change pricing, with 30 days' notice only in some states — narrows: The general fees clause says you agree to pay all fees and a spread and that Coinbase may adjust pricing at any time, while the California disclosure states the Coinbase Fee for California residents will not exceed $10 under $200 or 6% of USD value otherwise.

Charges & Financial Obligations · Restriction or exception

California: crypto transactions may be irreversible and may be treated as made when recorded on the public ledger

California residents are told that virtual currency transactions may be irreversible, so losses from unauthorized, fraudulent or accidental transactions or transfers may not be recoverable. Some transactions are deemed made when recorded on a public ledger, which is not necessarily when you initiate them.

Supporting quotations

Transactions in virtual currency may be irreversible, and, accordingly, losses due to unauthorized, fraudulent, and accidental transactions or transfers may not be recoverable.

Some virtual currency transactions shall be deemed to be made when recorded on a public ledger, which is not necessarily the date or time that the customer initiates the transaction.

Legal Rights & Agreement Rules · Procedure

California: links on insurance, reporting errors, complaints, recurring stops; receipts provided

California residents are given links for information on insurance available to Coinbase for certain assets, how to report unauthorized, mistaken or accidental transactions, general complaint and error resolution procedures, updating contact information, cancelling or suspending recurring or preauthorized purchases including stop-payment orders, and pending transactions. After each transaction Coinbase provides a receipt, trade ticket or other evidence, available in your account.

Supporting quotations

Please [see here](https://www.coinbase.com/legal/insurance) information regarding insurance available to Coinbase for certain assets on the Coinbase platform.

Please [see here](https://help.coinbase.com/en/coinbase/privacy-and-security/account-compromised/how-do-i-report-an-unauthorized-transaction) for information on how to submit a report regarding unauthorized, mistaken, or accidental transactions. Please [see here](https://help.coinbase.com/en/submit-a-complaint) for information concerning general complaint and error resolution procedures. Please [see here](https://help.coinbase.com/en/coinbase/managing-my-account) for information on how to update your contact information with Coinbase.

Please [see here](https://help.coinbase.com/en-gb/coinbase/trading-and-funding/buying-selling-or-converting-crypto/how-can-i-create-or-cancel-a-recurring-transaction) for information regarding cancelling or suspending recurring or preauthorized purchases on the Coinbase platform, including procedures to initiate a stop-payment order.

Please [see here](https://help.coinbase.com/en/coinbase/trading-and-funding/sending-or-receiving-cryptocurrency/why-is-my-transaction-pending) for information regarding pending transactions.

Following each transaction, Coinbase will provide you with a receipt, trade ticket, or other evidence of the transaction. You can access these records in your account.

Not stated here

• All linked pages are unsupplied; their content is not reflected here.

Legal Rights & Agreement Rules · Company commitment

California: at least 14 days' notice of fee changes, materially impactful terms and account policies

Coinbase will give California residents at least 14 days' prior notice of changes to the fee information above, to Coinbase terms and conditions that materially affect California residents' digital financial asset business activity, and to the policies applicable to their accounts. The general amendment clause is effective on posting, and Section 3.3 mentions at least 30 days' notice of certain changes in some states.

Supporting quotations

Coinbase will provide California residents at least 14 days’ prior notice of changes to the fee information referenced above, Coinbase terms and conditions that have a material impact on California residents’ digital financial asset business activity, and the policies applicable to the California residents’ accounts.

Qualifications & exceptions

• Applies to California residents; the general clause on amendments does not state a notice period.

Cross-references

• qualifies (model-proposed): Coinbase may amend the agreement at any time; continued use is acceptance — qualifies: The general amendment clause makes a revised agreement effective when posted, while the California disclosure promises California residents at least 14 days' prior notice of changes to fees, materially impactful terms and account policies.

Charges & Financial Obligations · Restriction or exception

California: virtual currency is not legal tender or government-backed, and balances lack FDIC or SIPC protection

California residents are told virtual currency is not legal tender in California or the United States and is not backed by the government. Accounts and value balances are not subject to FDIC or Securities Investor Protection Corporation protections. This addresses virtual currency balances, and Section 2.8 separately explains pass-through insurance for USD cash.

Supporting quotations

Virtual currency is not legal tender in California or the United States, is not backed by the government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections.

Qualifications & exceptions

• Applies to virtual currency accounts and value balances; USD cash insurance is described in Section 2.8.

Legal Rights & Agreement Rules · Context

California: a status page shows current and historical availability and outages

California residents are pointed to Coinbase's status page for current and historical availability and outages of platform products and services.

Supporting quotations

Please [see here](https://status.coinbase.com/) for information regarding current and historical availability/outages of Coinbase platform products and services.

Not stated here

• The status page was not supplied.

Legal Rights & Agreement Rules · Procedure

California: complain to Coinbase first, then to the Department of Financial Protection and Innovation

For California, contact Coinbase about a complaint. If it is unresolved, you can complain to the California Department of Financial Protection and Innovation online, by email or toll-free phone, or mail a paper complaint form to its Sacramento Consumer Services address.

Supporting quotations

If you have a complaint, please contact Coinbase, Inc. at 1-888-908-7930 or visit [https://help.coinbase.com/en/contact-us](https://help.coinbase.com/en/contact-us). If you have an unresolved complaint regarding Coinbase, Inc., you can direct your complaint to the California Department of Financial Protection and Innovation: Online: [https://dfpi.ca.gov/submit-a-complaint/](https://dfpi.ca.gov/submit-a-complaint/) DFPI consumer complaints email: Ask.DFPI@dfpi.ca.gov Toll Free: (866) 275-2677

Paper complaint forms can be mailed to the Department of Financial Protection and Innovation:

Attn: Consumer Services

651 Bannon Street, Suite 300

Sacramento, CA 95811

Legal Rights & Agreement Rules · Procedure

California Prime customers: Prime terms may differ; complaints go to Coinbase, then the DFPI

For California residents who are Prime customers of Coinbase, Inc. and Coinbase Custody Trust Company, LLC, a Prime help page has more disclosures and Prime terms may differ from the general terms; you are told to see your Prime Agreement. Complaints go to Coinbase first, and unresolved ones to the California DFPI online, by email, phone or mailed paper form.

Supporting quotations

Please note the following disclosures for California resident Prime customers of Coinbase, Inc. and Coinbase Custody Trust Company, LLC:

Coinbase Prime customers can also visit [https://help.coinbase.com/en/prime](https://help.coinbase.com/en/prime) for more information and relevant disclosures specific to your Coinbase Prime account. Coinbase Prime terms and conditions may differ from the general terms outlined above – please refer to your specific Prime Agreement for details. For complaints regarding Coinbase, Inc. or Coinbase Custody Trust Company, LLC, please contact us at 1-888-908-7930 or [https://help.coinbase.com/en/contact-us](https://help.coinbase.com/en/contact-us).

Unresolved complaints regarding either of these entities can likewise be directed to to the California Department of Financial Protection and Innovation:

Online: [https://dfpi.ca.gov/submit-a-complaint/](https://dfpi.ca.gov/submit-a-complaint/)

DFPI consumer complaints email: Ask.DFPI@dfpi.ca.gov

Toll Free: (866) 275-2677

And, similarly, paper complaint forms can be mailed to the Department of Financial Protection and Innovation:

Attn: Consumer Services

Legal Rights & Agreement Rules · Procedure

Colorado: complain to Coinbase, then in writing to the Colorado Division of Banking with its form

For Colorado, there is a state customer notice link. Complaints go to Coinbase first; unresolved ones about money transmission activity may be filed with the Colorado Division of Banking. Complaints must be in writing: download and edit the complaint form on your own device (not online), then send it with supporting documents by mail, fax or email to the listed Denver address.

Supporting quotations

Colorado [MO7 Customer Notice - COLORADO MONEY TRANSMITTERS ACT](https://banking.colorado.gov/sites/banking/files/documents/MT_Customer_Notice_MO7_English_Spanish_03.2026_AccO.pdf)

If you have a complaint, please contact Coinbase, Inc. at 1-888-908-7930 o[r](https://help.coinbase.com/en/contact-us.) [https://help.coinbase.com/en/contact-us](https://help.coinbase.com/en/contact-us). If you still have an unresolved complaint regarding Coinbase, Inc.'s money transmission activity, you may file it by contacting the Colorado Division of Banking.

The Complaint Process

All consumer complaints filed with the Colorado Division of Banking must be submitted in writing. All consumer complaints filed with the Division must be submitted in writing. You will not fill out the form online. Instead, you must download the file to your own device and edit that version. When completing the form, please provide detailed information and fill it out completely.

[Complaint Form (PDF)](https://drive.google.com/file/d/0BzYdkXo6Bxz2RXlzZmVCR3VNM2M/view)

Send the complaint and supporting documentation by regular mail, facsimile, or electronic mail (e-mail) to the Colorado Division of Banking. NOTE: If filing electronically, scan and/or save the completed complaint form with related attachments to a PDF file, a Word doc, or Zip file, and attach to your E-mail.

Colorado Division of Banking 1560 Broadway, Suite 975, Denver, CO 80202 Phone: 303-894-7575 Fax: 303-894-7570 E-mail: DORA_BankingWebsite@state.co.us

Charges & Financial Obligations · Restriction or exception

Connecticut: transactions are irreversible, losses from fraud may be unrecoverable, and scams often use virtual currency

Connecticut disclosures warn that losses from fraudulent or accidental transactions may not be recoverable and virtual currency transactions are irreversible. They add that scammers target customers, for example by impersonating a loved one, threatening jail time, claiming identity theft, insisting the customer withdraw bank money to buy cryptocurrency, or alleging the customer's computer was hacked.

Supporting quotations

Connecticut Please note the following disclosures associated with virtual currency:

WARNING: LOSSES DUE TO FRAUDULENT OR ACCIDENTAL TRANSACTIONS MAY NOT BE RECOVERABLE AND TRANSACTIONS IN VIRTUAL CURRENCY ARE IRREVERSIBLE.

Virtual currency transactions are irreversible and are used by persons seeking to defraud customers, including, but not limited to, a person impersonating a customer's loved one, threatening jail time, stating that a customer's identity has been stolen, insisting that a customer withdraw money from the customer's bank account and purchase cryptocurrency or alleging a customer's personal computer has been hacked.

Charges & Financial Obligations · Restriction or exception

Connecticut: not government-backed or insured (FDIC, NCUA, SIPC); the bond may not cover all losses

Connecticut disclosures say virtual currency is not backed or insured by the government and accounts and value balances lack FDIC, National Credit Union Administration or SIPC protections. Any bond Coinbase maintains for customers may not be enough to cover all customer losses.

Supporting quotations

Virtual currency is not backed or insured by the government and accounts and value balances are not subject to Federal Deposit Insurance Corporation, National Credit Union Administration or Securities Investor Protection Corporation protections.

Any bond maintained by Coinbase for the benefit of the customers of Coinbase may not be sufficient to cover all losses incurred by such customers.

Charges & Financial Obligations · Restriction or exception

Connecticut: value can be lost permanently, prices are volatile, and some transactions count when recorded on-ledger

Connecticut disclosures state that some transactions are deemed made when recorded on a public ledger, which may differ from when the customer initiates them. Virtual currency value may rest on market participants' continued willingness to exchange fiat for it, so it can lose all value permanently if the market disappears. Price volatility and unpredictability against fiat may cause significant losses in a short time.

Supporting quotations

Some virtual currency transactions shall be deemed to be made when recorded on a public ledger, which may not be the date or time when the customer initiates the virtual currency transaction

The value of virtual currency may be derived from the continued willingness of market participants to exchange fiat currency for virtual currency, which may result in the permanent and total loss of the value of a particular virtual currency, if the market for that virtual currency disappears.

The volatility and unpredictability of the price of virtual currency relative to fiat currency may result in a significant loss over a short period of time.

Legal Rights & Agreement Rules · Procedure

Connecticut: contact Support, then a formal complaint, or the Connecticut Department of Banking

For Connecticut, contact Coinbase support first. If a complaint about money transmission activity stays unresolved you may submit a formal complaint to Coinbase through its complaint page, and you may also contact the Connecticut Department of Banking.

Supporting quotations

If you have a complaint or questions, please contact Coinbase, Inc. Support at 1-888-908-7930 or [https://help.coinbase.com/en/contact-us](https://help.coinbase.com/en/contact-us). If you still have an unresolved complaint regarding Coinbase, Inc. money transmission activity, you may submit a formal complaint via https://help.coinbase.com/en/contact-us/submit-a-complaint. You may also contact the Connecticut Department of Banking at [https://portal.ct.gov/dob/consumer/consumer-complaints/money-transmitter](https://portal.ct.gov/dob/consumer/consumer-complaints/money-transmitter) with any complaints.

Legal Rights & Agreement Rules · Procedure

District of Columbia: contact Coinbase, then the DC Department of Insurance, Securities and Banking

For the District of Columbia, complain to Coinbase first. An unresolved complaint about money transmission activity may be filed with the DC Department of Insurance, Securities and Banking, which has a mail-in form and contact details.

Supporting quotations

District of Columbia If you have a complaint, please contact Coinbase, Inc. at 1-888-908-7930 or [https://help.coinbase.com/en/contact-us](https://help.coinbase.com/en/contact-us). If you still have an unresolved complaint regarding Coinbase, Inc.'s money transmission activity, you may file it by contacting the Department at:

District of Columbia Department of Insurance, Securities and Banking 1050 First St., NE, Suite 801 Washington, DC 20002 Phone: (202) 727-8000 Fax: (202) 354-1085 E-mail: disbcomplaints@dc.gov

[Consumer Complaint Form Mail-in Version](https://disb.dc.gov/sites/default/files/dc/sites/disb/publication/attachments/DISB%20Consumer%20Complaints_final%20fillable.pdf)

Legal Rights & Agreement Rules · Procedure

Florida: contact Coinbase, then the Florida Office of Financial Regulation, which requires online registration

For Florida, complain to Coinbase first. An unresolved complaint about money transmission activity may be filed with the Florida Office of Financial Regulation online, which requires registering for Online Services with a valid email address, or by its listed contact details.

Supporting quotations

Florida If you have a complaint, please contact Coinbase, Inc. at 1-888-908-7930 or [https://help.coinbase.com/en/contact-us.](https://help.coinbase.com/en/contact-us.) If you still have an unresolved complaint regarding Coinbase, Inc.'s money transmission activity, you may file it by contacting the Florida Office of Financial Regulation at: Online: [https://flofr.gov/sitePages/FileAComplaint.htm](https://flofr.gov/sitePages/FileAComplaint.htm). To file your complaint, you will need to register electronically through Online Services. A valid email address is required.

Florida Office of Financial Regulation - Consumer Finance 200 E. Gaines Street, Tallahassee, FL 32399-0376 850-487-9687

FL Office of Financial Regulation Complaint Portal: [https://flofr.gov/sitePages/FileAComplaint.htm](https://flofr.gov/sitePages/FileAComplaint.htm)

Legal Rights & Agreement Rules · Procedure

Georgia: licensed by the Georgia Department of Banking and Finance; complaints go to Coinbase, then the state

For Georgia, Coinbase states it is licensed by the Georgia Department of Banking and Finance, with a license and NMLS number given. Complain to Coinbase first; an unresolved complaint about money transmission activity may be filed with the department's Consumer Resources.

Supporting quotations

Georgia Licensed by The Georgia Department of Banking and Finance. (Lic. # 42796/ NMLS# 1163082).

If you have a complaint, please contact Coinbase, Inc. at 1-888-908-7930 or [https://help.coinbase.com/en/contact-us.](https://help.coinbase.com/en/contact-us) If you still have an unresolved complaint regarding Coinbase, Inc.'s money transmission activity, you may file it by contacting the Georgia Department of Banking and Finance - Consumer Resources: [https://consumer.georgia.gov/resolve-your-dispute/how-do-i-file-complaint](https://consumer.georgia.gov/resolve-your-dispute/how-do-i-file-complaint)

Legal Rights & Agreement Rules · Procedure

Illinois: contact Coinbase, then the Illinois Division of Banking or its currency exchange complaint form

For Illinois, complain to Coinbase first. An unresolved complaint about money transmission activity may be filed with the Illinois Division of Banking, through the department's online form or a printable currency exchange and title insurance complaint form.

Supporting quotations

Illinois If you have a complaint, please contact Coinbase, Inc. at 1-888-908-7930 or [https://help.coinbase.com/en/contact-us](https://help.coinbase.com/en/contact-us). If you still have an unresolved complaint regarding Coinbase, Inc.'s money transmission activity, you may file it by contacting the Illinois Division of Banking at:

Illinois Department of Financial and Professional Regulation Online: [https://www.idfpr.com/DFI/DFIComplaintForm.asp](https://www.idfpr.com/DFI/DFIComplaintForm.asp)

Division of Financial Institutions: Fill In and Print Complaint Form for Currency Exchange and Title Insurance [https://www.idfpr.com/admin/DFI/F1717DFICHI.pdf](https://www.idfpr.com/admin/DFI/F1717DFICHI.pdf)

Legal Rights & Agreement Rules · Procedure

Kansas: contact Coinbase, then the Office of the State Bank Commissioner online, by mail or by fax

For Kansas, complain to Coinbase first. An unresolved complaint about money transmission activity may be filed with the Office of the State Bank Commissioner electronically, or by mailing or faxing the completed consumer assistance form with attachments to its Topeka office.

Supporting quotations

Kansas If you have a complaint, please contact Coinbase, Inc. at 1-888-908-7930 or [https://help.coinbase.com/en/contact-us](https://help.coinbase.com/en/contact-us). If you still have an unresolved complaint regarding Coinbase, Inc.'s money transmission activity, you may file it by contacting the Office of the State Bank Commissioner.

If submitting electronically, submit your complaint here: [https://www.osbckansas.org/consumers/file-a-complaint/](https://www.osbckansas.org/consumers/file-a-complaint/)

Mail or fax the completed consumer assistance form and attachments to:

Kansas Office of the State Bank Commissioner: Attn: Consumer Affairs 700 SW Jackson St, Suite 300 Topeka, KS 66603 Fax: (785) 371-1229 Email: complaints@osbckansas.org

Legal Rights & Agreement Rules · Restriction or exception

Louisiana: the state money transmission license does not cover exchange or transmission of virtual currency

Louisiana residents are told the money transmission license issued to Coinbase, Inc. by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency.

Supporting quotations

Louisiana Please note the money transmission license issued to Coinbase, Inc. by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency.

Qualifications & exceptions

• The notice is about the scope of the Louisiana license, not about whether Coinbase offers the service.

Legal Rights & Agreement Rules · Procedure

Louisiana: complaints go to Coinbase, then in writing to the Office of Financial Institutions

For Louisiana, contact Coinbase first. An unresolved complaint about money transmission activity may go to the Office of Financial Institutions, and all complaints must be in writing: complete the complaint form and send it by mail, email or fax.

Supporting quotations

If you have a complaint, please contact Coinbase, Inc. at 1-888-908-7930 or [https://help.coinbase.com/en/contact-us](https://help.coinbase.com/en/contact-us). If you still have an unresolved complaint regarding Coinbase, Inc.'s money transmission activity, you may file it by contacting the Office of Financial Institutions.

All complaints must be submitted in writing. To file a complaint, please complete the complaint form and send to [OFI](http://www.ofi.state.la.us/) by mail, email, or fax.

Charges & Financial Obligations · Restriction or exception

Louisiana: virtual currency is uninsured, not legal tender, regulation-sensitive and possibly irreversible

Louisiana disclosures say virtual currency is not legal tender, is not backed by the U.S. government, and balances lack FDIC or SIPC protection. Legislative and regulatory changes may adversely affect its value, and virtual currency transactions may be irreversible so losses from fraudulent or accidental transactions may not be recoverable.

Supporting quotations

Please note the following disclosures associated with virtual currency:

Virtual currency is not legal tender in the United States, is not backed by the United States government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections.

Legislative and regulatory changes or actions at the state, federal, or international level may adversely affect the value of virtual currency.

Transaction in virtual currency may be irreversible, and accordingly, losses due to fraudulent or accidental transactions may not be recoverable.

Charges & Financial Obligations · Restriction or exception

Louisiana: ledger timing, loss of market value, limited surety bond, and a prompt to research first

More Louisiana disclosures say some virtual currency transactions may be immediately effective when recorded on a public ledger, which is not necessarily when the customer initiates them. Value depends on market participants' continued willingness to exchange legal tender for it, so a market decline or collapse could mean permanent total loss. Any surety bond required by law may not cover all customer losses, and customers should research before purchasing or investing. The text then points to the Global Privacy Policy.

Supporting quotations

Some virtual currency transactions may be immediately effective when recorded on a public ledger, which is not necessarily the date or time that the customer initiates the transaction.

The value of virtual currency may be derived from the continued willingness of market participants to exchange legal tender for virtual currency, which may result in the potential for permanent and total loss of value of a particular virtual currency if the market for the virtual currency declines or collapses for an extended period of time.

Any surety bond required by law for the benefit of customers may not be sufficient to cover all losses incurred by customers.

Customers should perform research before purchasing or investing in virtual currency.

Please see Coinbase’s Global Privacy Policy, which describes how Coinbase collects, uses and discloses personal information.

Not stated here

• The Global Privacy Policy is referenced but its text was not supplied.

Legal Rights & Agreement Rules · Procedure

Maryland: contact Coinbase, then the Maryland Department of Labor; the Commissioner takes license questions

For Maryland, complain to Coinbase first. An unresolved complaint about money transmission activity may go to the Maryland Department of Labor. The Commissioner of Financial Regulation accepts questions or complaints about the stated license from Maryland residents at its Baltimore address and phone, and more information is available through NMLS Consumer Access.

Supporting quotations

Maryland If you have a complaint, please contact Coinbase, Inc. at 1-888-908-7930 or [https://help.coinbase.com/en/contact-us](https://help.coinbase.com/en/contact-us). If you still have an unresolved complaint regarding Coinbase, Inc.'s money transmission activity, you may file it by contacting the Maryland Department of Labor.

The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding [License No. 12-1163082 and NMLS ID: 1163082] by contacting the Commissioner's office at: 500 North Calvert Street, Suite 402, Baltimore, Maryland 21202, or (888) 784-0136. Additional information about Coinbase, Inc. may be obtained at [www.nmlsconsumeraccess.org](http://www.nmlsconsumeraccess.org/)

Legal Rights & Agreement Rules · Procedure

Minnesota: contact Coinbase, then complain by phone to the Minnesota Department of Commerce

For Minnesota, complain to Coinbase first. An unresolved complaint about money transmission activity may go to the Minnesota Department of Commerce, which asks that complaints be made by calling the listed numbers.

Supporting quotations

Minnesota If you have a complaint, please contact Coinbase, Inc. at 1-888-908-7930 or [https://help.coinbase.com/en/contact-us](https://help.coinbase.com/en/contact-us). If you still have an unresolved complaint regarding Coinbase, Inc.'s money transmission activity, you may file it by contacting the Minnesota Department of Commerce.

To make a complaint, please make a call contacting the following:

Minnesota Department of Commerce 85 8th Place East, Suite 208 Saint Paul, MN 55101 (Local) 651-539-1500 (Complaints) 651-539-1600

Charges & Financial Obligations · Company commitment

Minnesota: virtual currency is not legal tender or insured; Coinbase Fee capped at $10 under $200 and 6% otherwise

Minnesota disclosures say virtual currency is not legal tender, is not backed by the U.S. government, and balances lack FDIC or SIPC protection. They also state the Coinbase Fee, which may be discounted by payment method, will not exceed $10 for cryptocurrency valued under $200 and will not exceed 6% of USD value for other transactions. The actual fee is shown when you place the order and can depend on payment method, order size, market conditions and jurisdiction.

Supporting quotations

Please note the following disclosures associated with virtual currency:

Virtual currency is not legal tender in the United States, is not backed by the United States government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections.

Coinbase charges a Coinbase Fee when you buy, sell, or convert cryptocurrencies. The Coinbase Fee may be discounted based on the payment method you select. For transactions involving cryptocurrency valued under $200, the Coinbase Fee will not exceed $10. For all other transactions, the Coinbase Fee will not exceed 6% of the USD value of the cryptocurrency. Despite these maximums, the Coinbase Fee you will actually pay (which will not exceed the maximum) is calculated and displayed to you at the time you place your order and may be determined by a combination of factors, like your selected payment method, the size of the order, market conditions, and/or jurisdictional location.

Qualifications & exceptions

• The fee maximums apply to the Coinbase Fee, not to all fees.

Legal Rights & Agreement Rules · Procedure

Mississippi: try to resolve with Coinbase first, then file online with the state Department of Banking

The Mississippi Department of Banking & Consumer Finance recommends contacting Coinbase first to give it a chance to resolve a complaint. If a complaint about money transmission activity stays unresolved, you may file it online with the department.

Supporting quotations

Mississippi The Mississippi Department of Banking & Consumer Finance recommends that you attempt to resolve your complaint with the financial institution first by contacting Coinbase, Inc. at 1-888-908-7930 or [https://help.coinbase.com/en/contact-us](https://help.coinbase.com/en/contact-us) to allow the opportunity to resolve the issue(s). If you still have an unresolved complaint regarding Coinbase, Inc.'s money transmission activity, you may file you complain online at [https://dbcf.ms.gov/complaint-form/](https://dbcf.ms.gov/complaint-form/)

Legal Rights & Agreement Rules · Restriction or exception

Nevada: Coinbase is licensed as a money transmitter but the state does not license virtual currency services

Nevada residents are told Coinbase, Inc. is licensed by the Nevada Department of Business and Industry as a money transmitter, but the department does not currently license or regulate virtual currency services, including transmission or exchange, that Coinbase may conduct. Contact Coinbase's consumer assistance division first; an unresolved question or complaint about money transmission services may go to the Nevada department by phone.

Supporting quotations

Nevada Coinbase, Inc. is licensed by the Nevada Department of Business and Industry as a money transmitter. At this time, the Nevada Department of Business and Industry does not license or regulate services related to virtual currency, including but not limited to virtual currency transmission or exchange which may be conducted by Coinbase.

If you have a question or complaint, please first contact the consumer assistance division of Coinbase at [https://help.coinbase.com](https://help.coinbase.com/) or (888) 908-7930, or at its mailing address: 228 Park Ave S #23008, New York, NY, 10003. If you have an unresolved question or complaint regarding the money transmission services provided by Coinbase, you may contact the Nevada Department of Business and Industry at (702) 486-4120.

Qualifications & exceptions

• The Nevada department 'at this time' does not license or regulate virtual currency services.

Charges & Financial Obligations · Restriction or exception

New York: virtual currency is uninsured, not legal tender, regulation-sensitive and possibly irreversible

New York disclosures say virtual currency is not legal tender, is not backed by the government, and balances lack FDIC or SIPC protection. Legislative and regulatory changes at state, federal or international level may adversely affect use, transfer, exchange and value. Transactions may be irreversible, so losses from fraudulent or accidental transactions may not be recoverable, and some are deemed made when recorded on a public ledger, which may differ from when you initiate them.

Supporting quotations

New York Please note the following disclosures associated with virtual currency:

Virtual currency is not legal tender, is not backed by the government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections.

Legislative and regulatory changes or actions at the state, federal, or international level may adversely affect the use, transfer, exchange, and value of virtual currency.

Transactions in virtual currency may be irreversible, and, accordingly, losses due to fraudulent or accidental transactions may not be recoverable.

Some virtual currency transactions shall be deemed to be made when recorded on a public ledger, which is not necessarily the date or time that the customer initiates the transaction.

Charges & Financial Obligations · Restriction or exception

New York: value can vanish, prices are volatile, fraud or Coinbase outages can block access, bond may not cover all

More New York disclosures say value depends on market participants' continued willingness to exchange fiat for virtual currency, with potential permanent total loss if the market disappears, and no assurance that merchants who accept it now will continue. Price volatility can cause significant loss quickly, virtual currency may carry increased fraud and cyber attack risk, and technological difficulties experienced by Coinbase may prevent access to or use of a customer's virtual currency. Any bond or trust account maintained for customers may not cover all losses.

Supporting quotations

The value of virtual currency may be derived from the continued willingness of market participants to exchange fiat currency for virtual currency, which may result in the potential for permanent and total loss of value of a particular virtual currency should the market for that virtual currency disappear.

There is no assurance that a person who accepts a virtual currency as payment today will continue to do so in the future.

The volatility and unpredictability of the price of virtual currency relative to fiat currency may result in significant loss over a short period of time.

The nature of virtual currency may lead to an increased risk of fraud or cyber attack.

The nature of virtual currency means that any technological difficulties experienced by Coinbase may prevent the access or use of a customer’s virtual currency.

Any bond or trust account maintained by Coinbase for the benefit of its customers may not be sufficient to cover all losses incurred by customers.

Legal Rights & Agreement Rules · Procedure

New York: Coinbase is licensed by NYDFS; complaints go to Coinbase consumer assistance, then NYDFS

Coinbase, Inc. states it is regulated and licensed as a money transmitter by the New York State Department of Financial Services. For a question or complaint, contact Coinbase's consumer assistance division first; unresolved or written complaints may be mailed to the NYDFS Consumer Services Division, which also lists phone, email and website.

Supporting quotations

Coinbase, Inc. is regulated and licensed as a money transmitter by the New York State Department of Financial Services. If you have a question or complaint, please first contact the consumer assistance division of Coinbase at [https://help.coinbase.com](https://help.coinbase.com/) or (888) 908-7930, or at its mailing address: 228 Park Ave S #23008, New York, NY, 10003.

For unresolved/written complaints, you may mail a complaint to New York State Department of Financial Services, Consumer Services Division, One State Street, New York, NY 10004-1417, (800) 342-3736, email: consumers@dfs.ny.gov, website: [www.dfs.ny.gov/complaint](https://www.dfs.ny.gov/complaint).

Legal Rights & Agreement Rules · Company commitment

North Dakota: state-licensed; contact Coinbase first; not legal tender or insured; Coinbase Fee capped

North Dakota residents are told Coinbase, Inc. is licensed by the North Dakota Department of Financial Institutions as a money transmitter. Contact Coinbase's consumer assistance first; an unresolved question or complaint about money transmission services may go to the department by phone. Virtual currency is not legal tender or backed by the U.S. government and balances lack FDIC or SIPC protection. The Coinbase Fee will not exceed $10 under $200 or 6% of USD value otherwise, with the actual fee shown at order time.

Supporting quotations

North Dakota Coinbase, Inc. is licensed by the North Dakota Department of Financial Institutions as a money transmitter. If you have a question or complaint, please first contact the consumer assistance division of Coinbase at [https://help.coinbase.com](https://help.coinbase.com/) or (888) 908-7930, or at its mailing address: 228 Park Ave S #23008, New York, NY, 10003. If you have an unresolved question or complaint regarding the money transmission services provided by Coinbase, you may contact the North Dakota Department of Financial Institutions at (701) 328-9933.

Please note the following disclosures associated with virtual currency:

Virtual currency is not legal tender in the United States, is not backed by the United States government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections.

Coinbase charges a Coinbase Fee when you buy, sell, or convert cryptocurrencies. The Coinbase Fee may be discounted based on the payment method you select. For transactions involving cryptocurrency valued under $200, the Coinbase Fee will not exceed $10. For all other transactions, the Coinbase Fee will not exceed 6% of the USD value of the cryptocurrency. Despite these maximums, the Coinbase Fee you will actually pay (which will not exceed the maximum) is calculated and displayed to you at the time you place your order and may be determined by a combination of factors, like your selected payment method, the size of the order, market conditions, and/or jurisdictional location.

Qualifications & exceptions

• Fee maximums apply to the Coinbase Fee only.

Charges & Financial Obligations · Company commitment

Rhode Island: virtual currency is not legal tender or insured; Coinbase Fee capped at $10 under $200 and 6% otherwise

Rhode Island disclosures say virtual currency is not legal tender or backed by the U.S. government and balances lack FDIC or SIPC protection. The Coinbase Fee, which may be discounted by payment method, will not exceed $10 for cryptocurrency under $200 and 6% of USD value otherwise, with the actual fee displayed when you place the order.

Supporting quotations

Rhode Island Please note the following disclosures associated with virtual currency:

Virtual currency is not legal tender in the United States, is not backed by the United States government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections.

Coinbase charges a Coinbase Fee when you buy, sell, or convert cryptocurrencies. The Coinbase Fee may be discounted based on the payment method you select. For transactions involving cryptocurrency valued under $200, the Coinbase Fee will not exceed $10. For all other transactions, the Coinbase Fee will not exceed 6% of the USD value of the cryptocurrency. Despite these maximums, the Coinbase Fee you will actually pay (which will not exceed the maximum) is calculated and displayed to you at the time you place your order and may be determined by a combination of factors, like your selected payment method, the size of the order, market conditions, and/or jurisdictional location.

Qualifications & exceptions

• Fee maximums apply to the Coinbase Fee only.

Legal Rights & Agreement Rules · Restriction or exception

Tennessee: the money transmitter license and bond do not cover virtual currency transmission

Tennessee residents are told Coinbase, Inc. is licensed by the Tennessee Department of Financial Institutions as a money transmitter, but the department does not regulate virtual currency and neither the license nor the required surety bond covers the transmission of virtual currency. The notice adds that companies exchanging, administering or maintaining virtual currencies for sovereign currency may be subject to state or federal regulation and licensing, and links to verify licensed Tennessee money transmitters.

Supporting quotations

Tennessee Coinbase, Inc. is licensed by the Tennessee Department of Financial Institutions as a money transmitter.

The Tennessee Department of Financial Institutions does not regulate virtual currency. Please note that this license and the required surety bond do not cover the transmission of virtual currency. The Tennessee Department of Financial Institutions does not regulate virtual currency. Tennessee’s Money Transmitter License and the required surety bond do not cover the transmission of virtual currency. However, any company that offers to exchange, administer, or maintain virtual currencies for sovereign currency may be subject to state regulation and licensing as well as federal regulation. To verify a licensed Tennessee Money Transmitter, please click [HERE](https://www.tn.gov/content/tn/tdfi/mortgage-consumer-lending/money-transmitter/mt-listing.html) or visit the NMLS Consumer Access website [HERE](https://www.nmlsconsumeraccess.org/Home.aspx/MainSearch).

Qualifications & exceptions

• The notice is about the scope of the Tennessee license and bond, not a statement that Coinbase does not offer the service.

Legal Rights & Agreement Rules · Procedure

Tennessee: contact Coinbase, then the Tennessee Department of Financial Institutions

For Tennessee, contact Coinbase first. An unresolved complaint about money transmission activity may go to the Tennessee Department of Financial Institutions through its complaint page or phone line.

Supporting quotations

If you have a complaint, please contact Coinbase, Inc. at 1-888-908-7930 or [https://help.coinbase.com/en/contact-us](https://help.coinbase.com/en/contact-us). If you still have an unresolved complaint regarding Coinbase, Inc. money transmission activity, please direct your complaint to: [https://www.tn.gov/tdfi/tdfi-how-do-i/file-a-complaint.html](https://www.tn.gov/tdfi/tdfi-how-do-i/file-a-complaint.html) or call the Tennessee Department of Financial Institutions at 1-800-778-4215

Legal Rights & Agreement Rules · Procedure

Texas: contact Coinbase first, then the Texas Department of Banking complaint page

For Texas, contact Coinbase first. An unresolved complaint about money transmission activity may be directed to the Texas Department of Banking through its money services businesses complaint page.

Supporting quotations

Texas If you have a complaint, please contact Coinbase, Inc. at 1-888-908-7930 or [https://help.coinbase.com/en/contact-us](https://help.coinbase.com/en/contact-us). If you still have an unresolved complaint regarding Coinbase, Inc. money transmission activity, please direct your complaint to: [https://www.dob.texas.gov/money-services-businesses/how-file-complaint](https://www.dob.texas.gov/money-services-businesses/how-file-complaint)

Legal Rights & Agreement Rules · Restriction or exception

Virginia: the state money transmitter license does not cover transmission of virtual currency (Bitcoin)

Virginia residents are told Coinbase, Inc. is licensed by the Virginia State Corporation Commission as a money transmitter, but that license does not cover the transmission of virtual currency (Bitcoin).

Supporting quotations

Virginia Coinbase, Inc. is licensed by the Virginia State Corporation Commission as a money transmitter, but such license does not cover the transmission of virtual currency (Bitcoin).

Qualifications & exceptions

• The notice names Bitcoin as the example in parentheses.

Charges & Financial Obligations · Restriction or exception

Washington: fee cap, not legal tender or insured, irreversible transactions, report unauthorized ones quickly

Washington disclosures state the Coinbase Fee, which may be discounted by payment method, will not exceed $10 for cryptocurrency under $200 or 6% of USD value otherwise. Virtual currency is not legal tender or backed by the U.S. government and balances lack FDIC or SIPC protection. Transactions may be irreversible so losses from fraudulent, mistaken or accidental transactions may not be recoverable; you must contact Coinbase as soon as possible if you think a transaction was unauthorized or incorrect, and reporting does not guarantee reversal or reimbursement. Virtual currency may carry increased fraud or cyber attack risk.

Supporting quotations

Washington Please note the following disclosures associated with virtual currency:

Coinbase charges a Coinbase Fee when you buy, sell, or convert cryptocurrencies. The Coinbase Fee may be discounted based on the payment method you select. For transactions involving cryptocurrency valued under $200, the Coinbase Fee will not exceed $10. For all other transactions, the Coinbase Fee will not exceed 6% of the USD value of the cryptocurrency. Despite these maximums, the Coinbase Fee you will actually pay (which will not exceed the maximum) is calculated and displayed to you at the time you place your order and may be determined by a combination of factors, like your selected payment method, the size of the order, market conditions, and/or jurisdictional location.

Virtual currency is not legal tender in the United States, is not backed by the United States government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections.

Transactions in virtual currency may be irreversible, and, accordingly, losses due to fraudulent, mistaken or accidental transactions may not be recoverable. If you believe you did not authorize a particular transaction or that a transaction was incorrectly carried out, you must contact us as soon as possible. Reporting an unauthorized transaction does not guarantee Coinbase will be able to reverse the transaction or reimburse you for the transaction.

The nature of virtual currency may lead to an increased risk of fraud or cyber attack.

Qualifications & exceptions

• Fee maximums apply to the Coinbase Fee only.

Legal Rights & Agreement Rules · Procedure

Washington: contact Coinbase first, then the Washington Department of Financial Institutions

For Washington, contact Coinbase first. An unresolved complaint about money transmission activity may be filed with the Washington Department of Financial Institutions through its money services complaint page.

Supporting quotations

If you have a complaint, please contact Coinbase, Inc. at 1-888-908-7930 or [https://help.coinbase.com/en/contact-us](https://help.coinbase.com/en/contact-us). If you still have an unresolved complaint regarding Coinbase, Inc. money transmission activity, you may file it by contacting the Washington Department of Financial Institutions at [https://dfi.wa.gov/consumers/money-services-complaint](https://dfi.wa.gov/consumers/money-services-complaint)

Account & Service Control · Context

Appendix 4 covers optional Additional Services for eligible users; if you do not use them it does not apply

Coinbase may make the listed Additional Services available to users who meet certain eligibility criteria. Each service's provisions apply in addition to the rest of the Agreement. If you do not use any Additional Service, Appendix 4 does not apply to you.

Supporting quotations

In addition to the Services described in the Agreement, the following services ("Additional Services") may be made available by Coinbase to Users that fulfill certain eligibility criteria. The provisions for each Additional Service herein apply to your use of such Additional Service, in addition to the other applicable provisions of the Agreement. If you do not use any Additional Services, then this Appendix does not apply to you.

Qualifications & exceptions

• Eligibility criteria are service-specific and set by Coinbase.

Charges & Financial Obligations · Permission or license

Coinbase Visa debit Card is issued by Pathward; you must accept the Card Terms and the Pathward Cardholder Agreement

Holding USD or Supported Digital Assets on Coinbase may give you the option to apply for a Coinbase Visa debit Card issued by Pathward National Association. To use it you must agree to the Coinbase Card Terms and the Cardholder Agreement with Pathward. The Card Terms govern how Coinbase provides and you use the Card, including within the site, and should be read together with the Cardholder Agreement and the User Agreement.

Supporting quotations

Coinbase Card. When you hold Fiat Currency denominated in U.S. Dollars (USD) or Supported Digital Assets on Coinbase, you may be given the option to apply for a Coinbase Visa Card (“Card”) issued by Pathward National Association (“Pathward”). The Card is a debit card. To use the Card, you must agree to the Coinbase Card terms (“Coinbase Card Terms”) set out below and to the Coinbase Card Cardholder Agreement with Pathward (“Cardholder Agreement”).

1.1. Role of the Coinbase Card Terms. These Coinbase Card Terms govern the basis upon which Coinbase will provide you with the Card and your use of the Card, including within the Coinbase Site. The Card is issued to you by Pathward and should be read in conjunction with the Cardholder Agreement and this User Agreement.

Qualifications & exceptions

• The Card is issued by Pathward, not Coinbase.
• Applying is an option 'you may be given', subject to eligibility.

Not stated here

• The Pathward Cardholder Agreement was not supplied.

Charges & Financial Obligations · Procedure

The Card spends at merchants and ATMs; you choose USD or a digital asset as your Preferred Spending Currency

The Card can be used to buy goods and services at point of sale terminals, by phone, online or on payment platforms, or to withdraw cash at ATMs that accept Visa. The Card Account at Pathward is linked to your USD Wallet and Digital Asset Wallet. Before using the Card you must choose USD or a Supported Digital Asset as your Preferred Spending Currency, which you can change any time. You may use the Card for transactions under the Cardholder Agreement.

Supporting quotations

1.2. Role of the Card. The Card can be used to purchase goods and services from merchants at point of sale terminals, over the telephone, online, or on payment platforms, or withdraw cash from automated teller machines (“ATMs”) that accept Visa cards (“Card Transactions”).The Card account at Pathward (“Card Account”) will be linked to your USD Wallet and Digital Asset Wallet. You will be required to elect USD in your USD Wallet or a Supported Digital Asset in your Digital Asset Wallet as your default spending currency (“Preferred Spending Currency”) before you can use your Card and can update your Preferred Spending Currency at any time.

1.3. Card Services. Pursuant to the terms of your Cardholder Agreement, you may use the Card to make various Card Transactions.

Charges & Financial Obligations · Permission or license

Spending with a digital asset authorizes Coinbase to sell it to fund Card Transactions in USD

If you select a Supported Digital Asset as your Preferred Spending Currency and use your Card, you authorize Coinbase to facilitate the sale of that asset and to use the proceeds to fund Card Transactions in USD.

Supporting quotations

1.4. Supported Digital Asset as Preferred Spending Currency. When you select a Supported Digital Asset as your Preferred Spending Currency and use your Card, you authorize Coinbase to facilitate your sale of your Supported Digital Asset, the proceeds of which you authorize Coinbase to use to fund Card Transactions in USD.

Charges & Financial Obligations · Company practice

Coinbase sells your asset at the prevailing rate for the purchase price plus fees and moves USD to the Card Account

Coinbase is responsible for facilitating the sale of your Preferred Digital Asset to other Coinbase customers when applicable and transferring funds to your Card Account so payments can go to merchants or to you for ATM withdrawals, in USD. When you spend with a Supported Digital Asset you authorize the sale of that asset from your wallet in the amount of the Purchase Price plus fees and charges described in the Cardholder Agreement, the Card Terms fee section and Section 3.3 (the Total Purchase Price), converted at the prevailing trading rate on Coinbase's trading platform, and the transfer of the Total Purchase Price in fiat from your USD Wallet to the Card Account so Pathward can pay the merchant or you and any Cardholder Agreement fees via the Visa scheme.

Supporting quotations

1.4.1. Role of Coinbase. Coinbase is responsible for facilitating your sale of your Preferred Digital Asset (“Digital Asset Services”) when applicable, to other Coinbase Customers and transferring funds to your Card Account to enable payments to merchants for the purchase of goods and services, and to you for ATM withdrawals, in USD in the amount authorized by the Card Transaction (the “Purchase Price”).

1.4.2. When you select a Supported Digital Asset as your Preferred Spending Currency and use your Card to make a Card Transaction, you authorize the:

1.4.2.1. Sale of your Preferred Digital Asset in the amount of the Purchase Price plus the accompanying fees and charges described in the Cardholder Agreement if applicable and Section 1.11 of these Coinbase Card Terms and Section 3.3 of this User Agreement (together, the “Total Purchase Price”) and converted at the prevailing trading rate on Coinbase’s trading platform (“Exchange Rate”) (the “Total Transaction Price”) from your Digital Asset Wallet; and

1.4.2.2. Transfer of the Total Purchase Price in Fiat Currency from your Coinbase USD Wallet to the Card Account so that Pathward can facilitate the transfer of: (i) the Purchase Price to the merchant (i.e., for the purchase of goods and services) or to you (i.e., for ATM withdrawals); and (ii) any fees and charges described in the Cardholder Agreement, except for any fees and charges described in this User Agreement via the Visa Card Scheme (“Card Scheme”).

Qualifications & exceptions

• Conversion is at the prevailing trading rate on Coinbase's platform at the time.

Sharing & Disclosure · Permission or license

Applying for the Card lets Coinbase share your information with Pathward and providers to verify identity

To apply for a Card you must provide certain personal information. You agree Coinbase may share information you previously gave it under the Privacy Policy with Pathward, and with service providers acting for Coinbase or Pathward, solely to verify your identity or address and/or manage risk as required by law. Pathward treats shared information under its own privacy notice. If you do not provide the information or Pathward cannot verify you, your application will not be considered. Coinbase may refuse to facilitate your application in its sole discretion if you are in breach of the User Agreement.

Supporting quotations

If you apply for a Card, you will be required to provide certain personal information.

You agree that we may share personal information you previously provided to us under our [Privacy Policy](https://www.coinbase.com/legal/privacy) to verify your identity, with Pathward and with service providers acting on our behalf or on Pathward’s behalf solely to verify your identity or address, and/or to manage risk as required under applicable law.

Personal information shared with Pathward will be treated in accordance with its [Privacy Policy]

If you do not provide this information, or if Pathward is unable to verify your identity with the information provided by Coinbase, your application for a Card will not be considered.

We may refuse to facilitate processing of your application through Pathward if we determine in our sole discretion that you are in breach of the terms of the User Agreement.

Qualifications & exceptions

• Sharing is stated to be solely for identity or address verification and/or risk management required by law.

Not stated here

• Pathward's privacy notice was not supplied.

Charges & Financial Obligations · Procedure

Physical Cards must be signed and activated; virtual Cards work immediately

You must sign a physical Card as soon as you receive it and activate it before use, following instructions on the packaging or the site. A virtual Card can be used immediately on receipt and needs no activation.

Supporting quotations

1.6. Activating the Card. You must sign a physical Card as soon as you receive it and must activate the Card to be able to use it. Activation instructions are set out on the packaging that the Card is attached to and within the Coinbase Site. A virtual Card can be used immediately upon receipt and does not need to be activated.

Charges & Financial Obligations · Procedure

Use the Card under all three agreements; consent is by PIN, contactless presentation or card details

You agree to use the Card under the Card Terms, the User Agreement and the Cardholder Agreement. Your consent is needed for each transaction. For in-person purchases or ATM withdrawals you may be required to enter a PIN, unless it is a contactless payment where presenting the Card is enough. For phone, online or payment-platform purchases you may be required to give the card number, expiration date and three-digit security code.

Supporting quotations

1.7.1. You agree that you will use the Card in accordance with these Coinbase Card Terms, this User Agreement, and the Cardholder Agreement.

1.7.2. Your consent will be required in order to use the Card to make a Card Transaction. You may give your consent in the following ways depending on the type of Card Transaction that you are trying to make and the information required by the merchant or ATM:

1.7.2.1. Purchase of goods and services from a merchant on the merchant’s premises from a point of sale terminal or withdrawing cash from an ATM: You may be required to enter the personal identification number (“PIN”) that we will arrange for you to receive from Pathward (or that you may choose) from time to time unless the Card Transaction is being made via a contactless card reader in which case the presentation of the Card will be sufficient to demonstrate consent.

1.7.2.2. Purchase of goods and services from a merchant by telephone, online, or on a payments platform: You may be required to provide Card details such as the Card number, expiration date, and three digit security code from the reverse side of the Card.

Charges & Financial Obligations · Restriction or exception

Report a lost Card or unauthorized transaction at once; Coinbase is not liable for unauthorized transactions

If you believe your Card is lost or stolen, or an error or unauthorized transaction occurred, contact Coinbase Customer Service immediately by phone or email. Coinbase will not be liable for unauthorized transactions. Your liability for unauthorized transactions is covered in Section 3 of the Cardholder Agreement and error resolution in its Section 8.

Supporting quotations

If you believe your Card has been lost or stolen, or that an error or unauthorized transaction has occurred, you should contact Coinbase Customer Service immediately by phone at (888) 908-7930 or email at card@coinbase.com.

Coinbase will not be liable for unauthorized transactions.

See Section 3 of the Cardholder Agreement for more information regarding your liability for unauthorized transactions. See Section 8 of the Cardholder Agreement for information regarding Error Resolution.

Qualifications & exceptions

• Liability allocation and error resolution are in the Pathward Cardholder Agreement, which was not supplied.

Not stated here

• The Cardholder Agreement's liability and error resolution terms are unsupplied.

Charges & Financial Obligations · Company commitment

Card transaction timing depends on third parties; usage limits are in the Cardholder Agreement

The maximum execution time of a Card Transaction depends on the merchant, ATM owner, Card Scheme and other service providers. Coinbase will use commercially reasonable endeavors to follow the Card Scheme's settlement timing requirements. Usage limits are set out in Section 4 of the Cardholder Agreement.

Supporting quotations

1.9. Maximum Execution Time. The maximum execution time of the Card Transaction itself is dependent on actions being taken by the merchant, ATM owner, Card Scheme and/or other service providers. Coinbase will use commercially reasonable endeavors to comply with and adhere to the Card Scheme’s settlement timing requirements.

1.10. Usage Limits. The usage limits for the Card are set out in Section 4 of your Cardholder Agreement.

Not stated here

• The Cardholder Agreement's usage limits were not supplied.

Charges & Financial Obligations · Company practice

Card digital-asset sales carry a spread, not a transaction fee; Cardholder Agreement fees are separate

When Coinbase performs the Digital Asset Services for the Card it charges no transaction fees but includes a spread, as described in the User Agreement. A list of fees is on its pricing page and is separate from fees in the Cardholder Agreement. You are always responsible for the Total Purchase Price in fiat and the Total Transaction Price in the Supported Digital Asset when you make a Card Transaction.

Supporting quotations

When we perform the Digital Asset Services, Coinbase will not charge transaction fees but will include a spread, in accordance with this User Agreement.

You can find a list of our fees and charges on our [Pricing and Fees Disclosures page](https://support.coinbase.com/customer/portal/articles/2109597-buy-sell-bank-transfer-fees) which are separate from any fees and charges included in your Cardholder Agreement.

You are at all times responsible for the Total Purchase Price in Fiat Currency and the Total Transaction Price in Supported Digital Asset when you make a Card Transaction.

Not stated here

• The pricing page and Cardholder Agreement fees were not supplied; the size of the spread is not stated.

Charges & Financial Obligations · Company practice

Card refunds go to your USD Wallet; excess hold amounts return at the exchange rate when refunded

If you are entitled to a refund for goods or services bought with the Card, it is processed under Section 9(b) of the Cardholder Agreement, and once the merchant posts it Coinbase arranges for it to be refunded to your USD Wallet in fiat. If a transaction involved a preauthorization hold under Section 7(f) of the Cardholder Agreement, once the Total Purchase Price is received Coinbase refunds the remaining amount to your USD Wallet or Digital Asset Wallet in your Preferred Spending Currency, calculated at the exchange rate applicable at the time of the refund.

Supporting quotations

1.12. Refunds. If you are entitled to a refund for any reason for goods or services obtained with your Card, the refund shall be processed in accordance with the terms set out in Section 9(b) of your Cardholder Agreement. Once a refund has been posted by the merchant, we will arrange for it to be refunded to your USD Wallet in Fiat Currency.

1.13. Right to Charge Exchange Rates for Hold Returns. If your Card Transaction is subject to a preauthorization hold as described in Section 7(f) of your Cardholder Agreement, once the amount of the Total Purchase Price is received, we will arrange for any remaining amount to be refunded to your USD Wallet or Digital Asset Wallet (as applicable) in your Preferred Spending Currency, which shall be calculated using the Exchange Rate applicable at the time of refund.

Qualifications & exceptions

• Hold-return amounts use the exchange rate at the time of refund, not the rate at purchase.

Not stated here

• Cardholder Agreement Sections 9(b) and 7(f) were not supplied.

Account & Service Control · Company commitment

Card transaction details are in the Coinbase Card portal

You can find details of your Card Transactions in the Coinbase Card portal of the Coinbase Site.

Supporting quotations

1.14. Information Regarding Card Transactions. You may find details regarding Card Transactions that you have executed in the Coinbase Card portal of the Coinbase Site (“Coinbase Card Portal”).

Charges & Financial Obligations · Permission or license

Cards are enrolled in a digital asset rewards program; you opt in by choosing a Preferred Digital Asset

Your Card is automatically enrolled in Coinbase's Digital Assets rewards program on activation, and you can opt in by choosing a Supported Digital Asset as your Preferred Digital Asset. You then earn that asset on Card Transactions, except cash withdrawals, purchase or re-load of stored value cards, and payments to financial institutions for merchandise or services or to repay loans, card balances and debts. The reward is the Purchase Price times the Rewards Percentage published in the Card portal, deposited into your Digital Asset Wallet. The program is offered by Coinbase, not Pathward.

Supporting quotations

Your Card will be automatically enrolled in our Digital Assets rewards program (“Rewards Program”) upon activation.

You will then be able to opt-in to the Rewards Program by electing a Supported Digital Asset from a range of Supported Digital Assets that we may offer from time to time (“Preferred Digital Asset”).

After you have opted-in, you will be eligible to earn your Preferred Digital Asset in return for Card Transactions (“Rewards”) except for cash withdrawals, the purchase or re-load of stored value cards and payments made to financial institutions associated with the purchase of merchandise or services or the repayment of loans, credit card balances and debts.

The amount of the Reward for a Card Transaction is calculated by multiplying the Purchase Price by the applicable Rewards Percentage which will be published within the Coinbase Card Portal from time to time. This amount will be deposited into your Digital Asset Wallet in your Preferred Digital Asset.

The Rewards Program is offered by Coinbase and is not a product or service of Pathward.

Qualifications & exceptions

• Rewards exclude cash withdrawals, stored value card purchases or re-loads, and certain payments to financial institutions.
• The Rewards Percentage is published in the Card portal and can change.

Not stated here

• The current Rewards Percentage is not stated in the Agreement.

Charges & Financial Obligations · Restriction or exception

Rewards can be clawed back, are lost in insolvency, and the program can be changed or ended on notice

Coinbase accepts no responsibility for goods or services bought with the Card; disputes go to the merchant. If you get a return, credit or chargeback and Coinbase gave a Reward, it may debit your Digital Asset Wallet the original Reward at the exchange rate when the Card Transaction occurred. Rewards cannot be redeemed once bankruptcy or insolvency proceedings begin by or against you. Coinbase may alter, change or end the program at any time for any reason, which may cancel unredeemed Rewards, on written (including electronic) notice, and may immediately disqualify you for violating the Card Terms or misusing the program in its determination.

Supporting quotations

We accept no responsibility for the goods or services purchased by you with your Card.

If you receive a return, credit, or chargeback related to a Card Transaction from a merchant for any good or service and we have provided you with a Reward for that Card Transaction, we will be entitled to debit your Digital Asset Wallet the amount of the original Reward using the Exchange Rate applicable at the time of the Card Transaction.

Upon the commencement of any proceedings by or against you under any bankruptcy or insolvency law, Rewards cannot be redeemed.

We reserve the right to alter, change and/or terminate the Rewards Program, at any time and for any reason, which may result in the cancellation of unredeemed Rewards, upon written (including electronic) notice to you.

we reserve the right to immediately disqualify you from the Rewards Program if you have violated these Coinbase Card Terms or if you have, in our determination, misused the Rewards Program.

Charges & Financial Obligations · Permission or license

If funds run short Coinbase may debit or offset any of your other Coinbase balances to cover a Card Transaction

If your USD Wallet or the selected Digital Asset Wallet has insufficient funds for a Card Transaction, Coinbase may debit, access or offset all or part of the amount from any other Coinbase Service you use, including any USD or Supported Digital Assets you hold now or later in any wallet or in connection with other Coinbase Services. This includes provisional credit it granted for a disputed Card Transaction that is later resolved in favor of the opposing party.

Supporting quotations

1.17. Right to Debit, Access, or Offset Other Coinbase Services. If for any reason you have insufficient Fiat Currency in your USD Wallet or insufficient Supported Digital Asset in the relevant Digital Asset Wallet selected to fund a Card Transaction, we reserve the right to debit, access, or offset the amount of all or part of the Card Transaction from any other Coinbase Service that you obtain from us, including but not limited to any USD or Supported Digital Assets you hold today, or in the future, in any USD Wallet, Digital Asset Wallet, or in connection with any other Coinbase Services. This includes situations where Coinbase has granted you provisional credit in USD or Supported Digital Assets in connection with a disputed Card Transaction that is later resolved in favor of the opposing party.

Charges & Financial Obligations · Permission or license

Coinbase may restrict, suspend or end Card use immediately on legal, breach, security, crime or payment grounds

Card Transactions or Card use may be restricted, suspended or terminated with immediate effect where Coinbase reasonably believes it is required by contract, law, court or authority; reasonably suspects you of breaching the Card Terms, User Agreement or Cardholder Agreement; has concerns about an erroneous transaction or Card or account security, or suspected fraudulent or unauthorized use; suspects money laundering, terrorist financing, fraud or other financial crime; sees your linked credit, debit or other payment method declined; or your account is subject to pending litigation, investigation or government proceeding, or Coinbase perceives heightened legal or regulatory non-compliance risk. A further ground is insufficient funds.

Supporting quotations

1.18. Restriction, Suspension, and Termination. Card Transactions or your Card use may be restricted, suspended or terminated with immediate effect in situations where:

1.18.1. We are, in our reasonable opinion, required to do so by contract or by applicable law or any court or other authority to which we are subject in any jurisdiction;

1.18.2. We reasonably suspect you of acting in breach of these Coinbase Card Terms (including any provision of this User Agreement), or the Cardholder Agreement;

1.18.3. We have concerns that a Card Transaction is erroneous or about the security of your Card or your Coinbase Account or we suspect the Coinbase Services are being used in a fraudulent or unauthorized manner;

1.18.4. We suspect money laundering, terrorist financing, fraud, or any other financial crime;

1.18.5. If your credit or debit card or any other valid payment method linked to your USD Wallet or Digital Asset Wallet is declined;

1.18.6. Use of your Coinbase Account is subject to any pending litigation, investigation, or government proceeding and/or we perceive a heightened risk of legal or regulatory non-compliance associated with your Coinbase Account activity; or

Qualifications & exceptions

• Several grounds depend on Coinbase's reasonable opinion, suspicion or perception.

Charges & Financial Obligations · Permission or license

Coinbase may change USDC Rewards rates and terms or end the program on notice; rate changes start next month

Coinbase reserves the right to change the USDC Rewards Rate or APY at any time by notice on linked pages and other reasonable means including email. Unless the notice says otherwise, no change takes effect until the first day of the calendar month after notice. It also reserves the right to add, change or delete any provision of these terms and to end the USDC rewards program, or your participation, at any time on notice given the same way.

Supporting quotations

We reserve the right to change the USDC Rewards Rate Annual Percentage Yield at any time by notification [here](https://coinbase.com/accounts) and [here](https://help.coinbase.com/en/coinbase/getting-started/crypto-education/usd-coin-rewards-faq) and by other reasonable means of notice (including e-mail).

Unless otherwise stated in the notice, no change will be effective until the first day of the calendar month after such notice is made.

We reserve the right to add, change, or delete any provision of these terms and to terminate the USDC rewards program, or your participation in the program, at any time upon notice made in the same manner.

Qualifications & exceptions

• Rate changes take effect from the first day of the following calendar month unless the notice says otherwise; the notice does not give the same delay for term changes or termination.

Charges & Financial Obligations · Context

USDC Rewards Rate, APY and Daily Balance Method are defined

The USDC Rewards Rate is the annual rate of rewards earned on a USDC wallet and does not reflect compounding. The APY reflects total USDC Rewards earned, based on the current rate and end-of-month compounding over a 365-day period. The Daily Balance Method applies the daily periodic rate derived from the APY to the calendar day average of USDC held in your wallet each day. The calculation text elsewhere mentions weekly compounding in the APY, while this definition says end-of-month compounding.

Supporting quotations

“USDC Rewards Rate” means the annual rate of rewards earned on a USDC wallet, which does not reflect compounding.

“USDC Rewards Annual Percentage Yield” or “APY” means the percentage rate reflecting the total amount of USDC Rewards earned, based on the then current USDC Rewards Rate and end of month compounding for a 365-day period.

“Daily Balance Method” means the application of the daily periodic rate (derived from the APY) to the calendar day average of USDC held in your USDC wallet each day.

Qualifications & exceptions

• The definition of APY refers to end-of-month compounding, while section 1.2 describes the APY as including weekly compounding.

Not stated here

• Which compounding description controls is not stated.

Use & Processing · Company practice

Staking may be offered for held assets through Coinbase or an affiliate, including a third-party validator operator

When you hold Supported Digital Assets on Coinbase you may be offered the option to stake them in a third-party proof of stake network through staking services provided by Coinbase or an affiliate, including a third-party validator operator. A staking information page explains how proof of stake works.

Supporting quotations

When you hold Supported Digital Assets on Coinbase you may be given the option to “stake” these assets in a third party proof of stake network via staking services provided by Coinbase or an affiliate (including a third party validator operator). Please visit our [staking information page](https://help.coinbase.com/en/coinbase/trading-and-funding/staking-rewards/staking-inflation) for further details on how proof of stake works.

Qualifications & exceptions

• Offered as an option ('may be given'), not to everyone or every asset.

Account & Service Control · User right or choice

Staking is optional, you can unstake any time, and custody and title rules still apply

Staking services may be available for some or all of your Supported Digital Assets. You are not required to stake with Coinbase and can request to unstake at any time. If you stake, Coinbase performs blockchain operations on your assets. The instruction to stake does not affect ownership in any way, and the custody and title provisions of Section 2.7 apply whether or not an asset is staked.

Supporting quotations

Staking services may be available for some or all of your Supported Digital Assets.

YOU ARE NOT REQUIRED TO STAKE WITH COINBASE AND YOU CAN REQUEST TO UNSTAKE AT ANY TIME.

This instruction to stake your digital assets does not affect the ownership of your digital assets in any way.

the provisions for Digital Asset Custody and Title described in Section 2.7 above apply whether or not a digital asset is staked

Qualifications & exceptions

• Unstaking is subject to protocol lockups and processing time (Section 1.4 of the staking terms).

Charges & Financial Obligations · Company practice

Coinbase stakes as a validator on your behalf; rewards come from the network minus a commission Coinbase can change

If you stake, Coinbase or an affiliate facilitates staking by acting as a transaction validator on the network. Depending on the protocol there may be a delay before assets earn rewards. If Coinbase or an affiliate successfully validates, you may earn a network reward set by the protocol. If the network distributes rewards unstaked, Coinbase will use commercially reasonable efforts to restake them. Coinbase credits earned rewards after receipt, minus a commission published in the Help Center, which Coinbase may change at any time, even after assets are staked. Coinbase One members may opt in to lower commissions for certain assets (Boosted Staking Rewards), and promotional commissions may differ among users, with notice of promotional offers.

Supporting quotations

If you stake your assets with us, Coinbase, or one of its affiliates, will facilitate the staking of those assets on your behalf by acting as a transaction validator on the applicable network for the Supported Digital Asset you stake.

Depending on the protocol, there may be a delay before your assets are eligible to participate in the transaction validation process and earn rewards.

Rewards are determined by the protocols of the [applicable network.]

If the applicable network distributes any rewards in unstaked form, Coinbase will use commercially reasonable efforts to restake those rewards.

Coinbase will credit your account for any earned rewards after receipt by Coinbase, minus a commission.

Coinbase may change these published commissions at any time, including after your assets have been staked.

In addition, Coinbase One members may have the opportunity to opt-in to lower commissions for certain assets, meaning opted-in Coinbase One members will have access to higher net reward rates for those assets (“Boosted Staking Rewards”). Coinbase may also offer lower commissions for certain assets on a promotional basis, and these promotional commissions may differ among Coinbase users. You will be notified if you receive a promotional commission offer.

Qualifications & exceptions

• Rewards depend on successful validation and the protocol; the commission is published separately and can change after staking.

Not stated here

• Commission rates are on a linked Help Center page that was not supplied.

Charges & Financial Obligations · Company commitment

Coinbase will replace slashed staked assets unless the cause is a listed exception

Some networks apply slashing to staked assets if the validator incorrectly validates a transaction. Coinbase says it will use commercially reasonable efforts to prevent slashing and, if it happens, will replace your assets unless the penalty results from protocol-level failures such as bugs, maintenance, upgrades or general failure; your acts or omissions; acts or omissions of a third-party service provider; a force majeure event under Section 9.6; acts by a hacker or other malicious actor; or any other event outside Coinbase's reasonable control.

Supporting quotations

Coinbase will use commercially reasonable efforts to prevent any staked assets from slashing

in the event they are, Coinbase will replace your assets so long as such penalties are not a result of: (i) protocol-level failures caused by bugs, maintenance, upgrades, or general failure; (ii) your acts or omissions; (iii) acts or omissions of any third party service provider; (iv) a force majeure event as defined in Section 9.6 of the User Agreement; (v) acts by a hacker or other malicious actor; or (vi) any other events outside of Coinbase’s reasonable control.

Qualifications & exceptions

• The replacement commitment is limited by six exclusions, including a catch-all for events outside Coinbase's reasonable control.

Charges & Financial Obligations · Procedure

Staked assets may be locked; unstaking takes up to 48 hours plus any protocol period; unstake before selling

Some networks lock staked assets from sale or transfer for a period. You must request unstaking before you can sell or transfer staked assets. On a request, Coinbase performs blockchain operations to wind down your assets' participation in validation, which may take up to 48 hours in addition to any protocol unstaking period. Depending on the protocol you may or may not receive rewards during unstaking. Expected unstaking periods are estimates only, and Coinbase will notify you when unstaking completes.

Supporting quotations

Some Digital Asset networks require that a certain amount of staked assets be locked (restricted from sale or transfer) for a period of time while staking.

You will need to request for your staked assets to be unstaked before they can be sold or transferred.

These blockchain operations may take up to 48 hours to complete, in addition to any applicable protocol unstaking period.

Depending on the protocol, you may or may not receive staking rewards during the unstaking process. Expected unstaking periods are estimates only.

We will notify you when the unstaking process is complete.

Qualifications & exceptions

• Unstaking time is an estimate: up to 48 hours plus the protocol's own period.

Charges & Financial Obligations · Restriction or exception

Staking rewards are not guaranteed; the published rate is a historical estimate; Boosted rewards pay out the next month

You have no right to a reward until Coinbase receives it. Rewards are distributed promptly after receipt, except Boosted Staking Rewards, which are distributed in the first five business days of the month after receipt. The disclosed staking rewards rate is, unless otherwise specified, an annualized historical rate based on rewards Coinbase generated for customers minus its commission, is an estimate and may change. Coinbase does not guarantee that you will receive any staking rewards, including the rates or Boosted Staking Rewards.

Supporting quotations

You have no right to a reward until it is received by Coinbase.

Rewards will be distributed to your account promptly after they are received by Coinbase, except that Boosted Staking Rewards will be distributed in the month after they are received by Coinbase, within the first 5 business days of the month.

Unless otherwise specified, the “staking rewards rate” disclosed by Coinbase for a particular Supported Digital Asset is an annualized historical rate based on the staking rewards generated by Coinbase in providing staking services to Coinbase customers for that Supported Digital Asset, minus our commission. This rate is an estimate and may change over time.

COINBASE DOES NOT GUARANTEE THAT YOU WILL RECEIVE ANY STAKING REWARDS, INCLUDING THE STAKING REWARDS RATES OR BOOSTED STAKING REWARDS.

Account & Service Control · Restriction or exception

Staking requires meeting eligibility requirements that may change

Users who want to stake through Coinbase must meet eligibility requirements set out on a linked page. Those requirements are subject to change.

Supporting quotations

1.6. Eligibility. Users who wish to stake through Coinbase must meet certain eligibility requirements, as set forth [here](https://help.coinbase.com/en/coinbase/trading-and-funding/coinbase-earn/rewards#what-are-the-eligibility-requirements-for-rewards?). These requirements are subject to change.

Not stated here

• The linked eligibility requirements were not supplied.

Charges & Financial Obligations · Permission or license

Where available you can wrap staked ETH into cbETH, which carries the staked ETH's value, risk and slashing

In some jurisdictions you may choose to wrap staked ETH plus rewards into cbETH so you can sell, send or spend it; the service is not available everywhere and extra eligibility requirements may apply. Once wrapped you cannot redeem staked ETH or claim rewards except by unwrapping under Section 1.8. cbETH represents ownership of the ETH staked with Coinbase, including rewards, minus fees and slashing penalties, and you remain entitled to its economic value, risk and rewards. Selling or transferring cbETH transfers ownership of the staked ETH and the right to redeem. Wrapped assets are held by Coinbase on behalf of cbETH holders, ownership does not transfer to Coinbase, and Section 2.7 applies to them. cbETH is an ERC-20 token that may work with third-party protocols. Staked ETH backing cbETH is subject to slashing, and depending on when you began staking you may lose certain slashing protection by wrapping.

Supporting quotations

In some jurisdictions, you may choose to obtain the ability to sell, send, spend, or otherwise use your staked ETH by selecting, at your sole discretion, to wrap into a token that represents the ETH that you have staked plus associated rewards. This service is not available everywhere, and additional eligibility requirements may apply.

(a) Once wrapped, you cannot redeem your staked ETH or claim any associated rewards except as described in Section 1.8 below.

(b) cbETH represents ownership of ETH staked with Coinbase in accordance with this Appendix (including any associated rewards and minus any Coinbase fees and slashing penalties). By wrapping staked ETH as cbETH, you remain entitled to all of the economic value, risk, and rewards of the staked ETH.

(c) Selling or otherwise transferring cbETH automatically transfers ownership of the staked ETH and the right to redeem described in Section 1.8 below, and entitles the recipient to the attendant economic value, risk, and rewards of the staked ETH, subject to the terms of this Agreement.

(d) Staked ETH and associated rewards that have been wrapped as cbETH are held by Coinbase on behalf of holders of cbETH, and ownership of these assets shall not transfer to Coinbase. Section 2.7 of this Agreement shall apply to staked ETH and associated rewards held on behalf of cbETH holders to the same extent as staked ETH held by Coinbase on behalf of Coinbase customers.

(e) cbETH is an ERC-20 token and may be compatible with protocols or other software or technology provided by third parties.

(f) The staked ETH held by Coinbase on behalf of cbETH holders are subject to the risk of slashing described in 1.3 above. Depending on when you began staking ETH with Coinbase, you may lose certain slashing protection by wrapping your staked ETH.

Qualifications & exceptions

• Not available everywhere; additional eligibility requirements may apply.
• Depending on when you began staking, wrapping may remove certain slashing protection.

Charges & Financial Obligations · Restriction or exception

Wrapping into cbETH exposes you to value loss, price divergence, no liquidity backstop, third-party and regulatory risk

By wrapping into cbETH you accept these risks: Coinbase does not guarantee the value of your staked ETH principal or rewards and is not responsible for any decrease; cbETH's price could diverge from ETH or staked ETH because of market fluctuations, including actions of market makers who receive loans or incentives to buy cbETH; Coinbase does not guarantee a successful exchange or sale and will not backstop cbETH liquidity; Coinbase does not guarantee the security or function of third-party protocols or software meant to work with cbETH and is not responsible for losses from their failure; Coinbase does not own or control the Ethereum protocol, so cbETH is subject to Section 2.6; and regulatory action could limit the services Coinbase can provide for cbETH.

Supporting quotations

(g) Coinbase does not guarantee the value of your staked ETH principal or associated rewards.

(h) Coinbase is not responsible for any decrease in the value of your staked ETH principal or associated rewards.

(i) The price of cbETH could diverge from the price of ETH or staked ETH because of market fluctuations, which may be affected by the actions or inactions of market makers or other market participants who receive loans or other incentives to purchase cbETH.

(j) Coinbase does not guarantee that wrapping staked ETH will result in a successful exchange or sale of cbETH, and Coinbase will not backstop or otherwise intervene to guarantee cbETH liquidity.

(k) Coinbase does not guarantee the security or functionality of any third-party protocol, software or technology intended to be compatible with cbETH and is not responsible for any losses of cbETH due to the failure of third-party protocol, software or technology.

(l) As with the protocols for other Digital Assets, Coinbase does not own or control the underlying Ethereum protocol which governs the operation of cbETH. Accordingly, cbETH is subject to Section 2.6 of this User Agreement, like other Digital Assets.

(m) As with other Digital Assets, cbETH could be impacted by one or more regulatory actions

Charges & Financial Obligations · Procedure

To unwrap cbETH you need an account in good standing and eligibility; staked ETH stays locked until unstaked

If you hold cbETH and meet eligibility requirements, you may instruct Coinbase to unwrap it and redeem staked ETH plus associated rewards, minus Coinbase fees and slashing penalties. Staked ETH and rewards stay locked until you request unstaking and the protocol unstaking process finishes under Section 1.4. You must be a Coinbase customer with an account in good standing and eligible to stake ETH. Geographic restrictions may apply, eligibility may change, and unwrap requests may not be processed immediately.

Supporting quotations

If you hold cbETH in your Coinbase Account and satisfy eligibility requirements, you may instruct Coinbase to “unwrap” your cbETH, thereby redeeming your cbETH for staked ETH plus any associated rewards and minus any Coinbase fees and slashing penalties.

Staked ETH and any associated rewards will remain locked until you request unstaking and the protocol unstaking process is completed as described in Section 1.4 above.

To unwrap cbETH, you will need to be a Coinbase customer with a Coinbase Account in good standing and be eligible to stake ETH as described above. Additional geographic restrictions may apply, and eligibility is subject to change.

Requests to unwrap cbETH may not be processed immediately.

Charges & Financial Obligations · Permission or license

You may wrap staked assets into Third-Party Liquid Staking Tokens; this section governs any you hold

If you have staked a Supported Digital Asset through Coinbase you may be able to wrap it into a third-party liquid staking token and unwrap it later. A Help Center page lists the supported ones. If you hold a Third-Party LST in your account, whether or not you wrapped it on Coinbase, this section governs your relationship with Coinbase for that token. It does not govern cbETH, which is governed by Sections 1.7 and 1.8.

Supporting quotations

If you have staked a Supported Digital Asset through Coinbase, you may be able to wrap that staked asset into a third-party liquid staking token (each a "Third-Party LST") and later unwrap it back to the underlying staked asset.

If you hold a Third-Party LST in your Coinbase Account, whether or not you obtained it through wrapping on Coinbase, the provisions of this Section apply to your relationship with us with respect to that Third-Party LST.

This Section governs Third-Party LSTs and does not govern cbETH, which is governed by Sections 1.7-1.8.

Not stated here

• Which Third-Party LSTs are supported is listed on a Help Center page that was not supplied.

Charges & Financial Obligations · Context

A Third-Party LST is minted by a third party, represents the staked asset, and is custodied like other assets

A Third-Party LST is a Digital Asset minted by a third party or its smart contracts. Broadly, it represents your entitlement to a corresponding unit of the underlying staked asset plus accrued rewards, redeemable under the third-party protocol's operating rules, and you keep the economic value, risk and rewards. Coinbase does not hold or control the underlying assets and does not mint the token. The token itself, when held in your account, is custodied under Section 2.7 like any other Digital Asset.

Supporting quotations

1.9.1 What a Third-Party LST represents. A Third-Party LST is a Digital Asset minted by a third party or its smart contracts. In broad terms, it represents your entitlement to a corresponding unit of the underlying staked asset, plus accrued rewards, redeemable subject to the operating rules of the third-party protocol. By holding a Third-Party LST, you remain entitled to the economic value, risk, and rewards of the underlying staked asset. Coinbase does not hold or control the underlying assets, and Coinbase does not mint the Third-Party LST. The Third-Party LST itself, when held in your Coinbase Account, is custodied under Section 2.7 like any other Digital Asset.

Qualifications & exceptions

• Redemption is subject to the third-party protocol's operating rules.

Charges & Financial Obligations · Procedure

Coinbase wraps and unwraps Third-Party LSTs; the third-party protocol sets conversion rates, which can change

To wrap, Coinbase takes blockchain operations to deposit your staked asset and any accrued rewards into the third-party protocol, and the resulting token appears in your account in a quantity set by the protocol's conversion rate at the time, which can change with protocol rewards, slashing, validator performance and other factors outside Coinbase's control. To unwrap you must meet eligibility requirements, and Coinbase submits a redemption request at the pertinent conversion rate. The underlying asset and rewards remain locked in the protocol until you instruct Coinbase to unstake and the protocol unstaking process completes. Unwrap requests may not be immediate and depend on blockchain and protocol timing.

Supporting quotations

1.9.2 How wrapping works. When you choose to wrap your staked asset into a Third-Party LST, Coinbase takes blockchain operations on your behalf to deposit your asset (and any accrued rewards) into the third-party protocol, and the resulting Third-Party LST is reflected in your Coinbase Account. The quantity of Third-Party LST you receive is set by the conversion rate published by that protocol or an operator of that protocol at the time of the wrap. The conversion rate may fluctuate over time based on protocol rewards, slashing, validator performance, and other factors outside Coinbase's control.

1.9.3 How unwrapping works. If you hold a Third-Party LST in your Coinbase Account and meet the eligibility requirements, you may instruct Coinbase to unwrap it. Coinbase will undertake blockchain operations on your behalf to submit a redemption request to the third-party protocol, sending the Third-Party LST to the protocol in exchange for the corresponding amount of the underlying staked asset at the pertinent conversion rate. The underlying staked asset and any accrued rewards (as factored into the conversion rate) will remain locked in the third-party protocol until you instruct Coinbase to unstake those assets and the protocol unstaking process is complete, as described in Section 1.4. Unwrap requests may not be processed immediately and may be subject to the timing of the underlying blockchain network and the third-party protocol.

Qualifications & exceptions

• Conversion rate is set by the third-party protocol or its operator and can fluctuate.

Charges & Financial Obligations · Restriction or exception

Coinbase only performs the blockchain operations; eligibility and availability can change without prior notice

Coinbase undertakes blockchain operations to facilitate wrapping and unwrapping a Third-Party LST on your behalf and does not govern the third-party protocols or the underlying blockchain networks. Geographic restrictions and limitations may apply, and eligibility is subject to change without prior notice.

Supporting quotations

1.9.4 Coinbase's role. Coinbase undertakes blockchain operations to facilitate the wrapping and/or unwrapping of a Third-Party LST on your behalf. Coinbase does not govern the third-party protocols or the underlying blockchain networks.

1.9.5 Eligibility and availability. Geographic restrictions and limitations may apply, and eligibility is subject to change without prior notice.

Charges & Financial Obligations · Restriction or exception

Wrapping a Third-Party LST means accepting loss, price, liquidity and third-party risks with no Coinbase guarantee

By wrapping or unwrapping, you agree that once wrapped you cannot redeem the underlying staked asset or its rewards except by unwrapping. The staked asset is exposed to validator-level and protocol-level penalties, including slashing where implemented. Coinbase does not guarantee the value of the underlying asset or rewards and is not responsible for decreases, including from third-party protocol penalties. The token's market price may differ from the implied value of the underlying asset. Coinbase does not guarantee a successful unwrap, exchange or sale and will not backstop liquidity. It does not guarantee the security or function of related third-party technology. It does not own or control the underlying network or staking protocol, and each token is subject to Section 2.6. Regulatory actions could affect any Third-Party LST and limit Coinbase's services.

Supporting quotations

1.9.6 Terms of use. By wrapping a staked asset into a Third-Party LST or unwrapping a Third-Party LST into the underlying staked asset, you agree that:

(a) Once wrapped, you cannot redeem the underlying staked asset or claim its accrued rewards except by unwrapping the Third-Party LST as described in Section 1.9.3.

(b) The staked asset underlying a Third-Party LST is subject to validator-level and protocol-level penalties (which may include slashing on networks that implement it) and other protocol-level risks.

(c) Coinbase does not guarantee the value of the underlying staked asset or any accrued rewards, and is not responsible for any decrease in value, including any decrease from validator-level or protocol-level penalties incurred at the third-party protocol level.

(d) The market price of a Third-Party LST may differ from the implied value of the underlying staked asset.

(e) Coinbase does not guarantee a successful unwrap, exchange, or sale of any Third-Party LST, and will not backstop or otherwise intervene to provide Third-Party LST liquidity.

(f) Coinbase does not guarantee the security or functionality of any third-party protocol, software, or technology related to a Third-Party LST and is not responsible for losses caused by their failure.

(g) Coinbase does not own or control the underlying blockchain network or the third-party staking protocol. Each Third-Party LST is subject to Section 2.6 of this Agreement, like other Digital Assets.

(h) Regulatory actions could affect any Third-Party LST and limit the services Coinbase can provide with respect to it.

Charges & Financial Obligations · Permission or license

Advanced Trading offers order books to eligible users in some jurisdictions and requires accepting the Trading Rules

Coinbase offers eligible users access to order books for various Supported Digital Asset and fiat trading pairs on Advanced Trading. It is not offered to customers in all jurisdictions, and your account shows which order books are available. By accessing Advanced Trading or its API you accept and agree to be bound by the Trading Rules.

Supporting quotations

Coinbase offers, and eligible users may access, an order book for various Supported Digital Asset and Fiat Currency trading pairs (each an “Order Book”) on the Coinbase Site (“Advanced Trading”).

Coinbase does not offer Advanced Trading to customers in all jurisdictions.

By accessing Advanced Trading or the Coinbase API for Advanced Trading, you accept and agree to be bound by the [Trading Rules]

Not stated here

• The Trading Rules are linked but their text was not supplied.

Charges & Financial Obligations · Permission or license

Advanced Trading fees are auto-deducted under the Trading Rules; fiat deposit and withdrawal fees and limits may apply

By placing an order on Advanced Trading you agree to pay all applicable fees and authorize Coinbase to deduct them automatically from your account. Trading fees are in the Trading Rules. Coinbase may charge a fee on certain fiat deposit or withdrawal methods such as bank wire, and deposits and withdrawals may be subject to limits.

Supporting quotations

By placing an order on Advanced Trading, you agree to pay all applicable fees and authorize Coinbase to automatically deduct fees directly from your account.

Trading Fees are set forth in the Trading Rules

Coinbase may charge a fee on certain Fiat Currency deposit or withdrawal methods (e.g. bank wire).

DEPOSITS AND WITHDRAWALS MAY BE SUBJECT TO LIMITS.

Not stated here

• Fee amounts are in the Trading Rules, which were not supplied.

Account & Service Control · Restriction or exception

No outside access to your Trading Account except employees or agents; you answer for all orders and API use

You may not sell, lease, furnish or otherwise give access to your Trading Account to any other entity or to anyone who is not your employee or agent. You accept full responsibility for your employees' or agents' use of Advanced Trading, including through API keys or applications you authorize, and for all orders, trades and instructions entered, including identifiers, permissions, passwords and security codes tied to your account.

Supporting quotations

You may not sell, lease, furnish, or otherwise permit or provide access to your Trading Account to any other entity or to any individual that is not your employee or agent.

You accept full responsibility for your employees' or agents' use of Advanced Trading, whether such use is directly through Coinbase or by other means, such as those facilitated through API keys, and/or applications which you may authorize.

you are responsible for any and all orders, trades, and other instructions entered into Advanced Trading

Charges & Financial Obligations · Company practice

If your account is suspended or terminated, Coinbase cancels open orders, blocks withdrawals and bars new orders

If your account is suspended or terminated, Coinbase immediately cancels all open orders, blocks all withdrawals and bars placing further orders until resolution or account cancellation.

Supporting quotations

1.4. Suspension and Cancellation. In the event that your Coinbase Account is suspended or terminated, we will immediately cancel all open orders associated with your account, block all withdrawals and bar the placing of further orders until resolution or account cancellation.

Charges & Financial Obligations · Company practice

Coinbase One is a subscription membership that renews automatically with recurring payments

Coinbase One is a subscription-based membership. A subscription renews automatically and requires recurring payments.

Supporting quotations

Subscription-Based Membership. Coinbase One is a subscription-based membership. A Coinbase One subscription renews automatically and requires recurring payments.

Charges & Financial Obligations · Permission or license

Coinbase One benefits can change or be removed without notice, vary by region, and may be provided by third parties

Membership benefits may be changed or removed without notice, and some are not available in all regions or to all users. Member home lists current benefits, and a disclosures page covers important benefit disclosures. For certain benefits Coinbase may partner with a third party, which is then the provider of the benefit rather than Coinbase.

Supporting quotations

Membership benefits may be changed or removed without notice.

Some membership benefits are not available in all regions and are not available to all users.

For certain membership benefits, we may partner with a third party to provide you access to services that the third party provides. For those benefits, the third party is the provider of the benefit, not Coinbase.

Not stated here

• The benefit disclosures page was not supplied.

Charges & Financial Obligations · Permission or license

You authorize recurring charges to any stored payment method or balance, with a backup if the first fails

By signing up you authorize a recurring charge of the subscription fee plus tax to any stored payment method, cash balance or Digital Asset balance from sign-up (or the end of a free trial) until canceled. The fee is specified at sign-up and can change. If your primary method fails, you authorize Coinbase to charge any stored payment method, cash balance or Digital Asset balance as a backup. When paying with Digital Assets you instruct Coinbase to debit enough, calculated at prevailing prices as Coinbase reasonably determines at execution, and the payment is subject to Section 6.8 on taxes.

Supporting quotations

By signing up, you authorize a recurring charge of your subscription fee (plus any applicable tax) to any stored payment method, cash balance, or Digital Asset balance from the date of sign-up (or in the case of a free trial, the date that your free trial concludes) until canceled.

The subscription fee is specified during sign-up and is subject to change.

If your primary payment method fails, as a backup you authorize us to charge any stored payment method, cash balance, or Digital Asset balance.

you agree that you are instructing Coinbase to debit an amount of your Digital Assets (calculated using the prevailing prices for the Digital Assets as reasonably determined by Coinbase at time of execution)

this payment via Digital Assets is subject to Section 6.8 (“Taxes”) of the User Agreement

Qualifications & exceptions

• The backup authorization lets Coinbase charge any stored method or balance if the primary fails.

Charges & Financial Obligations · User right or choice

You cancel in member home, effective at period end; free trials auto-renew into paid subscriptions

You can cancel via Manage in member home, effective at the end of the current billing period, and should cancel before the renewal date to avoid the next charge. Coinbase may offer a free trial or promotion at its sole discretion; unless you cancel before it ends, the subscription renews automatically and you are charged recurring fees until you cancel.

Supporting quotations

Cancellation. You can cancel your subscription via “Manage” in [member home](https://coinbase.com/one). Your cancellation will go into effect at the end of your current billing period. To avoid the next charge, cancel before your renewal date.

Free Trial. At its sole discretion, Coinbase may offer you a free trial or other promotion. Unless you cancel before the end of your free trial or promotion, your subscription will automatically renew at the end of your free trial or promotion and you will be charged your subscription fee on a recurring basis until you cancel.

Charges & Financial Obligations · Company commitment

Coinbase can end a subscription with a prorated refund; it is non-transferable; a limited warranty may apply

Coinbase may terminate your subscription at its sole discretion, in which case you receive a prorated refund based on the termination date and the end of your billing cycle. The subscription cannot be transferred or assigned. Your account may be covered by a limited warranty published at a linked page.

Supporting quotations

Termination. Coinbase reserves the right to terminate your subscription at its sole discretion. If we terminate your subscription, you will receive a prorated refund of your subscription fee (prorated based on the termination date and the date that your billing cycle ends). Your subscription cannot be transferred or assigned.

Your account may be covered by the limited warranty published [here]

Qualifications & exceptions

• The limited warranty is described as something your account 'may' be covered by.

Not stated here

• The limited warranty terms were not supplied.

Account & Service Control · Permission or license

The Dapp Wallet is an optional wallet with a digital asset browser, links to DEXs and decentralized apps

You may choose to use Coinbase's dapp wallet, which lets you store Digital Assets, access a digital asset browser and link to decentralized exchanges and other decentralized applications, view addresses and information on Digital Asset networks and broadcast transactions, participate in retail DEX trades and related activity, and use further functionality Coinbase may add.

Supporting quotations

Dapp Wallet. You may elect to use our dapp wallet (“Dapp Wallet”). Our Dapp Wallet allows you to access a digital asset browser and link to decentralized exchanges (“DEXs”) and other decentralized applications (together, “Dapp(s)”). The Dapp Wallet enables users to (i) store Digital Assets; (ii) access a digital asset browser and link to Dapps; (iii) view addresses and information that are part of Digital Asset networks and broadcast transactions; (iv) participate in retail DEX trades and associated DEX activity, and (iv) additional functionality as we may add from time to time.

Account & Service Control · Restriction or exception

You own and control Dapp Wallet assets and bear the risk of loss

You own and control the Digital Assets in your Dapp Wallet and bear all risk of loss. Coinbase has no liability for fluctuations or loss associated with your use of the Dapp Wallet. You may withdraw by sending assets to another blockchain address at any time, subject to outages, downtime and other applicable policies.

Supporting quotations

1.1. Ownership and Control. You own and control Digital Assets held in your Dapp Wallet. As the owner of Digital Assets in your Dapp Wallet, you shall bear all risk of loss of such Digital Assets. Coinbase shall have no liability for Digital Asset fluctuations or loss associated with your use of a Dapp Wallet. At any time, subject to outages, downtime, and other applicable policies, you may withdraw your Digital Assets by sending it to a different blockchain address.

Qualifications & exceptions

• Withdrawal is subject to outages, downtime and other applicable policies.

Linking & Identification · Restriction or exception

Third-party DEXs and Dapps are a convenience; Coinbase does not control, endorse or warrant them, and risks are high

The Services may link to or give access to third-party services such as DEXs and Dapps, including by navigating away from the site, a native frontend link, or buying assets in a DEX environment through a Dapp Wallet. When accessing them you understand you are at no time transferring your assets to Coinbase. Coinbase provides access as a convenience, does not control, warrant or endorse their content, and is not responsible for the availability or legitimacy of content, products, assets or services. They may give access to assets with high risks of illiquidity, devaluation, lockup or loss.

Supporting quotations

The Services and Coinbase Site may provide access to or link to third-party services, such as DEXs, and/or Dapps

When accessing Third Party Services, you understand that you are at no time transferring your assets to us.

We provide access to Third Party Services only as a convenience, do not have control over their content, do not warrant or endorse, and are not responsible for the availability or legitimacy of, the content, products, assets, or services on or accessible from those Third Party Services (including any related websites, resources or links displayed therein).

Third-party Services, such as Dapps and DEXs, may provide access to assets which have high risks of illiquidity, devaluation, lockup, or loss.

Charges & Financial Obligations · Company practice

Third-party DEX and Dapp fees are not Coinbase's; any Coinbase Fee is labeled and shown before you submit

You may incur charges from third parties when using Third Party Services, such as fees on a DEX or Dapp. Those fees are not charged by or paid to Coinbase. Any Coinbase Fee charged will be designated as such and shown before you submit your transaction.

Supporting quotations

1.3. Fees. You may incur charges from third parties for use of Third Party Services. For example, you may be charged fees via a DEX or Dapp that you may access via the Coinbase Site. Third party fees are not charged by Coinbase and are not paid to Coinbase. Any Coinbase Fee charged will be designated as such, and presented before you submit your transaction.

Account & Service Control · Restriction or exception

The Dapp Wallet supports only listed assets; Coinbase is not liable for unsupported assets and may end support

A linked page lists the Dapp Supported Assets. The Dapp Wallet is for proper use of those assets only, and you should not try to store, send, request or receive other assets. Coinbase takes no responsibility for attempts to use it with unsupported assets and is not liable for an unsupported asset sent to a Dapp Wallet address. Coinbase may end support for any asset in its sole discretion, and services and supported assets vary by jurisdiction.

Supporting quotations

Your Dapp Wallet is intended solely for proper use of Dapp Supported Assets.

Coinbase assumes no responsibility in connection with any attempt to use your Dapp Wallet with Digital Assets that we do not support.

Coinbase may in its sole discretion terminate support for any particular Digital Asset.

Services and supported assets may vary by jurisdiction.

Not stated here

• The list of Dapp Supported Assets is on a linked page that was not supplied.

Account & Service Control · Restriction or exception

Dapp Wallet transfers: pending ones are incomplete and unavailable; inbound senders must match the supported asset

Your Dapp Wallet lets you send, request, receive and store Dapp Supported Assets with third parties, and Coinbase recommends testing with a small amount first. After a Dapp Wallet Asset Transfer is submitted to a network it is pending and unconfirmed, is not complete while pending, and the pending assets are not available to you while pending. For inbound transfers, the person initiating is solely responsible for executing it properly, including sending a Dapp Supported Asset that conforms to the address and any required Destination Tag or Memo, and attests that it does.

Supporting quotations

Your Dapp Wallet enables you to send Dapp Supported Assets to, and request, receive, and store Dapp Supported Assets from, third parties.

We recommend customers send a small amount of Dapp Supported Assets as a test

A Dapp Wallet Asset Transfer is not complete while it is in a pending state.

are not available to you for use in the Dapp Wallet or otherwise while the transaction is pending

the person initiating the transaction is solely responsible for executing the transaction properly, which includes ensuring that the Digital Asset being sent is a Dapp Supported Asset that conforms to the particular wallet address to which funds are directed, including any required Destination Tag/Memo.

By initiating a Dapp Wallet Inbound Transfer, you attest that you are transacting in a Dapp Supported Asset that conforms to the particular wallet address to which funds are directed.

Charges & Financial Obligations · Restriction or exception

Unsupported or mismatched assets sent to a Dapp Wallet are lost; stalled inbound transfers are your risk

Coinbase has no obligation for unsupported assets sent to a Dapp Wallet or Dapp Supported Assets sent to an incompatible address or unsupported network, and all such erroneously transmitted assets will be lost. Coinbase may decide which assets are supported or stop supporting them. You may need to pay network or miner fees for an inbound transfer to succeed. Insufficient fees may leave it pending outside Coinbase's control, and Coinbase is not responsible for delays or loss from initiation errors and has no obligation to help fix such transactions.

Supporting quotations

Coinbase incurs no obligation whatsoever with regard to unsupported Digital Assets sent to a Dapp Wallet or with regard to Dapp Supported Assets sent to an incompatible Digital Asset wallet address and/or unsupported network or blockchain. All such erroneously transmitted Digital Assets will be lost. Coinbase may from time to time determine types of Digital Assets that will be supported or cease to be supported. You acknowledge and agree that you may be required to pay network or miner’s fees in order for a Dapp Wallet Inbound Transfer transaction to be successful. Insufficient network fees may cause a Dapp Wallet Inbound Transfer to remain in a pending state outside of Coinbase’s control, and we are not responsible for delays or loss incurred as a result of an error in the initiation of the transaction and have no obligation to assist in the remediation of such transactions.

Charges & Financial Obligations · Restriction or exception

Dapp Wallet outbound transfers follow your instruction and cannot be reversed once broadcast

Dapp Wallet outbound transfers to external wallets are executed at your instruction. You should verify all details first. Coinbase is not liable if you enter an incorrect address, Destination Tag or Memo or send to an incompatible wallet, and does not guarantee the identity or value received by a recipient. Transfers cannot be reversed once broadcast, though they may be pending while processed, and Coinbase does not control the network or guarantee confirmation. It may cancel or refuse pending transfers as required by law or any court or authority, and may require you to wait before further Services or transactions beyond certain volume limits.

Supporting quotations

2.4. Dapp Wallet Outbound Transfers. When you send Digital Assets from your Dapp Wallet to an external wallet (“Dapp Wallet Outbound Transfers”), such transfers are executed at your instruction. You should verify all transaction information prior to submitting instructions. Coinbase shall bear no liability or responsibility in the event you enter an incorrect blockchain destination address, incorrect Destination Tag/Memo, or if you send your Digital Assets to an incompatible wallet. We do not guarantee the identity or value received by a recipient of a Dapp Wallet Outbound Transfer. Dapp Asset Transfers cannot be reversed once they have been broadcast to the relevant Digital Asset network, although they may be in a pending state, and designated accordingly, while the transaction is processed by network operators. Coinbase does not control the Digital Asset network and makes no guarantees that a Dapp Transfer will be confirmed by the network. We may cancel or refuse to process any pending Dapp Wallet Outbound Transfers as required by law or any court or other authority to which Coinbase is subject in any jurisdiction. Additionally, we may require you to wait some amount of time after completion of a transaction before permitting you to use further Coinbase Services and/or before permitting you to engage in transactions beyond certain volume limits.

Qualifications & exceptions

• Cancellation or refusal of pending transfers is stated as 'as required by law or any court or other authority'.

Legal Rights & Agreement Rules · Restriction or exception

No Coinbase warranty or liability for linked third-party services, in addition to other limits

Coinbase makes no warranties or representations, express or implied, about linked third-party services, their owners, information, assets available through them, or the suitability, privacy or security of their products or services. You acknowledge sole responsibility for and assume all risk of using them, including loss of assets traded through them. Coinbase is not liable for any damages arising out of or relating to Third Party Services, and this operates in addition to other limits in the User Agreement.

Supporting quotations

WE MAKE NO WARRANTIES OR REPRESENTATIONS, EXPRESS OR IMPLIED, ABOUT LINKED THIRD PARTY SERVICES, THE THIRD PARTIES THEY ARE OWNED AND OPERATED BY, THE INFORMATION CONTAINED ON THEM, ASSETS AVAILABLE THROUGH THEM, OR THE SUITABILITY, PRIVACY, OR SECURITY OF THEIR PRODUCTS OR SERVICES.

YOU ACKNOWLEDGE SOLE RESPONSIBILITY FOR AND ASSUME ALL RISK ARISING FROM YOUR USE OF THIRD-PARTY SERVICES, THIRD-PARTY WEBSITES, APPLICATIONS, OR RESOURCES, INCLUDING RISK OF LOSS FOR ASSETS TRADED THROUGH SUCH THIRD-PARTY SERVICES.

IN NO EVENT WILL COINBASE BE LIABLE FOR ANY DAMAGES ARISING OUT OF OR RELATING TO THIRD PARTY SERVICES.

THIS SECTION OPERATES IN ADDITION TO ANY LIMITATION OF LIABILITY EXPRESSED ELSEWHERE IN THIS USER AGREEMENT.

Sharing & Disclosure · Company practice

Coinbase verifications issues public onchain attestations about you that may persist even after revocation

Coinbase verifications uses the Ethereum Attestation Service to issue Coinbase-verified onchain attestations about individual customers, which eligible customers can use to help establish identity and reputation with certain decentralized applications. An attestation issued to you is stored onchain, so it is public and viewable by anyone. If you do not want to share that personal information publicly, do not use the service. After issuance, a record of the attestation may persist in the Ethereum Attestation Service even if you revoke it through your Coinbase account.

Supporting quotations

“Coinbase verifications” is a service that leverages the Ethereum Attestation Service to enable the issuance of Coinbase-verified, onchain attestations against predefined schemas relating to individual Coinbase customers (each, a “Coinbase Attestation”).

These onchain attestations may be used by eligible Coinbase customers to help establish identity and reputation when interacting with certain decentralized applications onchain.

A Coinbase Attestation issued to you will be stored onchain, and therefore will be public and viewable by anyone.

If you do not wish to share this personal information with others by making it publicly available onchain, do not use the Coinbase verifications service.

Once a Coinbase Attestation has been issued to you, a record of the attestation may persist in the Ethereum Attestation Service even if you revoke the Coinbase Attestation

Qualifications & exceptions

• Revocation through your account does not necessarily remove the record from the Ethereum Attestation Service.

Account & Service Control · Restriction or exception

Coinbase verifications needs a verified account in good standing, and Coinbase may refuse it at its discretion

To use Coinbase verifications you must have a registered Coinbase account, have completed identity verification and be in good standing and eligible to transact. Coinbase may decline to offer the service at its discretion, including if the information you gave to create your account is incomplete, inaccurate or incorrect, if you violate these terms or law or harm the Services, or if your account is under any limitation or review.

Supporting quotations

In order to use the Coinbase verifications service, you must (a) have a registered Coinbase account, (b) have successfully completed identity verification on your account, and (c) be in good standing and eligible to transact on the Coinbase platform.

We reserve the right to not offer the Coinbase verifications service to you at our discretion.

we may refuse to offer the Coinbase verifications service to you if the information you provided to create a Coinbase account (as described in the “Issuance” section below) is incomplete, inaccurate, or incorrect, or if you violate these terms, violate applicable law, or engage in behavior that harms our Services (for example, by engaging in fraudulent activity or attempting to circumvent our User Agreement or policies).

We may also refuse to offer the Coinbase verifications service to you if your Coinbase account is subject to any type of limitation or review.

Use & Processing · Permission or license

Coinbase may use your account and usage information to issue attestations, and derived data is stored publicly onchain

By using Coinbase verifications and having an attestation issued, you acknowledge Coinbase may use some or all of the personal information you provide, including information from opening your account and information collected under the Privacy Policy from your use of any Services, to issue attestations. If you choose to have one issued, personal information or information derived from it will be stored onchain, and so be public and viewable by anyone.

Supporting quotations

Coinbase may use some or all of the personal information you provide to us, including the information you provided when you opened your Coinbase account and information we collect in accordance with our Privacy Policy from your usage of any Services, to issue one or more Coinbase Attestations.

If you choose to have a Coinbase Attestation issued to you, you acknowledge that personal information or information derived from your personal information will be stored onchain, and therefore will be public and viewable by anyone.

Not stated here

• Exactly which fields appear in an attestation is not stated; the schemas are not supplied.

Legal Rights & Agreement Rules · Restriction or exception

You vouch for the information, Coinbase assumes you control the wallet keys, and you cannot transfer the attestation

You agree the information you provide for an attestation is complete, accurate and correct and that you are ultimately responsible for it. An attestation is a snapshot of information about you or your account at a point in time and may not reflect later changes. Coinbase will assume you own and control the private keys of the self-hosted wallet you specify, including for tax reporting that Coinbase may owe on rewards or other value sent to that wallet. You agree not to transfer the attestation to any third party.

Supporting quotations

You agree that all the information you provide Coinbase in order to have a Coinbase Attestation issued on your behalf is complete, accurate and correct. A Coinbase Attestation relies on the completeness, accuracy and correctness of information provided by you, which you are ultimately responsible for.

A Coinbase Attestation is a representation of the underlying information about you and/or your Coinbase account as of a specific point of time, and does not necessarily reflect any subsequent changes to such information.

Coinbase will assume for all intents and purposes that you own and control the private keys associated with the self-hosted wallet that you specify for receipt of any Coinbase Attestation that we issue to you, including for purposes of any tax reporting obligations that Coinbase may become subject to as a result of any reward or other value that is distributed to such self-hosted wallet in connection with such Coinbase Attestation.

you further agree that you will not transfer the Coinbase Attestation to any third party

Use & Processing · Permission or license

Attestations may rest on third-party data, and Coinbase may change their scope and schema at any time without notice

An attestation may be based on data from third parties such as government agencies and identity verification suppliers, whose policies or services may change. Coinbase may therefore amend the provision and scope of an attestation and its schema at any time at its discretion without notice. It also reserves the right to modify the scope of any attestation and schema at any time without notice.

Supporting quotations

A Coinbase Attestation may also be based on data supplied to Coinbase by third parties, including government agencies, third party suppliers of identity verification services and others.

we may be required to amend the provision and scope of any Coinbase Attestation and the corresponding schema, and may do so at any time at our discretion without notice.

We reserve the right to modify the scope of any Coinbase Attestation and the corresponding schema at any time without notice.

Sharing & Disclosure · Company practice

Dapps may grant access to attestation holders and third parties may build products on attestations under their own terms

Certain Dapps may give you access because you hold a Coinbase Attestation. If you do not want to share personal information contained in an attestation, do not use the service. Unless specified, Coinbase has no affiliation with those Dapps, and your use is under terms between you and the Dapp. Third parties may offer products that rely on attestations, such as a badge or checkmark, under separate terms to which Coinbase is not a party, and Coinbase has no responsibility for them.

Supporting quotations

Certain decentralized applications (each, a “Dapp”) may provide you with access to their applications because you are a holder of one or more Coinbase Attestations.

If you do not wish to share any of the personal information that may be contained in a Coinbase Attestation, then do not use the Coinbase verifications service.

Unless otherwise specified, Coinbase does not have any affiliation with any Dapp that you may gain access to by virtue of holding one or more Coinbase Attestations, and your use of any such Dapp will be subject to terms and conditions that are between you and the Dapp. Third-party service providers may offer certain products or services that leverage one or more Coinbase Attestations, for example, a “badge” or “checkmark” generated in reliance on a Coinbase Attestation. Your use of such third party products or services may be subject to your acceptance of, and compliance with, separate terms and conditions with such third parties, to which Coinbase is not a party. You acknowledge that Coinbase has no responsibility for the products or services provided by third parties.

Content & IP Rights · Restriction or exception

Attestations are personal and non-transferable; trading them or giving away the wallet keys can lead to revocation

Attestations are non-transferable and for your personal use only. You may not impersonate another user or entity to obtain one, and purchasing, selling, lending or renting one is strictly prohibited. If you transfer the private keys of the self-hosted wallet holding an attestation to a third party, Coinbase may revoke it and take other action on your account it considers appropriate or necessary in its sole discretion.

Supporting quotations

Coinbase Attestations are non-transferrable and for your personal use only. You may not impersonate another user or entity in order to obtain a Coinbase Attestation. Purchasing, selling, lending, or renting a Coinbase Attestation is strictly prohibited. If you transfer the private keys associated with the self-hosted wallet to which a Coinbase Attestation has been issued to a third party, we reserve the right to revoke such Coinbase Attestation and take such other action with respect to your Coinbase Account as we deem appropriate and/or necessary in our sole discretion.

Legal Rights & Agreement Rules · Restriction or exception

Attestations are informational only, may be out of date, and Coinbase does not guarantee their accuracy

An attestation is for information only and, unless Coinbase expressly says otherwise, is not meant to be relied on for any legal, compliance or contractual purpose; reliance is at your own risk and Coinbase disclaims liability to you or others. It reflects your account's status when issued, and later changes may not be reflected immediately in the Ethereum Attestation Service, so Coinbase does not represent or guarantee the information is complete, accurate or correct. Coinbase's identity verification processes may differ by jurisdiction.

Supporting quotations

Any Coinbase Attestation that is issued to you is provided for informational purposes only and unless otherwise expressly specified by Coinbase, is not intended to be relied upon for any legal, compliance or contractual purpose. You acknowledge and agree that any such reliance by you will be at your own risk

Coinbase disclaims any and all liability to you or any other third party that may result from such reliance.

subsequent changes to the status of your Coinbase account that result in such attestation no longer being true may not be reflected immediately

Coinbase does not represent, warrant or guarantee that the information contained in any attestation or represented thereby is complete, accurate, or correct.

the specific processes that Coinbase uses to verify the identities of its customers may differ by jurisdiction

Qualifications & exceptions

• The informational-only statement applies 'unless otherwise expressly specified by Coinbase'.

Account & Service Control · Permission or license

Coinbase may revoke an attestation at its discretion without notice, and related third-party products may be disabled

Coinbase may revoke an attestation it issued at its discretion, without notice. Reasons it gives include the underlying information being or becoming incomplete, inaccurate or incorrect; your violation of these terms or law or harmful behavior such as fraud or circumvention; your account being under limitation or review; or a legal requirement or court order. If you use third-party products that rely on attestations, such as a badge or checkmark, access may be disabled without notice.

Supporting quotations

We reserve the right to revoke a Coinbase Attestation that we have issued to you at our discretion, without notice.

We may revoke a Coinbase Attestation if the information that was originally used to issue it is or becomes incomplete, inaccurate, or incorrect, or if you violate these terms, violate applicable law, or engage in behavior that harms our Services (for example, by engaging in fraudulent activity or attempting to circumvent our User Agreement or policies).

We may also revoke a Coinbase Attestation that we have issued to you if your Coinbase account is subject to a limitation or review, or if we are required to do so in order to comply with a legal requirement or court order.

If you choose to use third party products or services that use or rely upon one or more Coinbase Attestations, like a “badge” or “checkmark”, access to such products or services may be disabled without notice.

Qualifications & exceptions

• The listed reasons are examples ('may revoke ... if'); revocation is also stated as at Coinbase's discretion.

Legal Rights & Agreement Rules · Context

The Coinbase verifications liability limits operate in addition to other limits in the agreement

The Limitation of Liability for Coinbase verifications operates in addition to any limitation of liability or warranty terms elsewhere in the User Agreement. Its specific limits follow in the next section.

Supporting quotations

Limitation of Liability. This section operates in addition to any limitation of liability or warranties expressed elsewhere in this User Agreement.

Legal Rights & Agreement Rules · Restriction or exception

No liability for losses from relying on attestations; New Jersey residents covered only as New Jersey law allows

Coinbase is not liable for any loss, including loss of property, profits, revenues, business opportunities, goodwill or anticipated savings, made in reliance on the verifications service or any attestation, nor for indirect or consequential losses or punitive damages. This extends to its officers, directors, agents, joint venturers, employees and representatives. For New Jersey residents the limit applies only to the extent New Jersey law permits.

Supporting quotations

Coinbase is not liable for any loss, including, for example, a loss of property, profits, revenues, business opportunities, goodwill, or anticipated savings made in reliance on the Coinbase verifications service or any Coinbase Attestation issued thereunder. We are also not liable for indirect or consequential losses, nor are we liable for punitive damages. This limitation of liability extends to our officers, directors, agents, joint venturers, employees, and representatives.

If you are a resident of New Jersey, this limitation of liability is intended to apply only to the extent permitted by New Jersey law.

Qualifications & exceptions

• New Jersey residents: applies only to the extent permitted by New Jersey law.

Legal Rights & Agreement Rules · Restriction or exception

Verifications and attestations are provided as is, with no accuracy or fitness promises, as far as the law allows

To the extent allowed by law, the verifications service and any attestation are provided "as is" with no implied promises, including merchantability, fitness for a particular purpose and non-infringement. Coinbase makes no warranty about the content or features of an attestation, including accuracy, reliability, availability or ability to meet your needs, and does not represent or guarantee that the information used to issue one is complete, accurate or correct.

Supporting quotations

To the extent allowed by law, the Coinbase verifications service and any Coinbase Attestation issued thereunder are provided “as is.” No promises should be implied (including the implied warranties of merchantability, fitness for a particular purpose, and non-infringement). For example, we don’t make any warranties about the content or features of a Coinbase Attestation, including its accuracy, reliability, availability, or ability to meet your needs. Coinbase does not represent, warrant or guarantee that the information used to issue a Coinbase Attestation is complete, accurate or correct and, accordingly, we do not represent or warrant or guarantee that a Coinbase Attestation is complete, accurate or correct.

Qualifications & exceptions

• Applies 'to the extent allowed by law'.

Charges & Financial Obligations · Permission or license

Where offered you can wrap a native asset into a Coinbase Wrapped Token only to complete an outbound transfer

In some jurisdictions you may direct Coinbase to wrap a Wrappable Native Token into a token compatible with another protocol so you can make an Outbound Transfer to an external wallet. To do so you must be a Coinbase customer with an account in good standing. Geographic restrictions may apply and eligibility is subject to change.

Supporting quotations

8.1. Sending Coinbase Wrapped Tokens. In some jurisdictions, you may choose to effectuate an Outbound Transfer of a native Digital Asset for which Coinbase provides wrapping services in accordance with the terms herein (each a “Wrappable Native Token”) to an external wallet on a supported protocol, by directing Coinbase to wrap such Wrappable Native Token into a token that is compatible with such protocol. To wrap your Wrappable Native Token and complete an Outbound Transfer of the corresponding Coinbase wrapped token (each, a “Coinbase Wrapped Token”), you will need to be a Coinbase customer with a Coinbase Account in good standing. Additional geographic restrictions may apply, and eligibility is subject to change. By electing to wrap your Wrappable Native Token into a corresponding Coinbase Wrapped Token, you understand and agree that:

Qualifications & exceptions

• Available only in some jurisdictions; eligibility can change.

Charges & Financial Obligations · Restriction or exception

Wrapped Tokens cannot be held on the platform; deposits convert back automatically; redemption only under Section 8.3

Coinbase Wrapped Tokens cannot be held on the Coinbase platform and are made available only for an outbound transfer of the native token to an external wallet. A wrapped token deposited to your wallet from outside is automatically converted to the corresponding native token, subject to Section 8.3. Wrap requests may not be processed immediately, and once wrapped you cannot redeem the wrapped token for the native token except as described in Section 8.3.

Supporting quotations

8.1.1. Coinbase Wrapped Tokens cannot be held on the Coinbase platform, and are only made available to you by Coinbase in connection with an Outbound Transfer of a corresponding Wrappable Native Token to an external wallet on a supported protocol. Any Coinbase Wrapped Token deposited to your Digital Asset Wallet from an external wallet address will be automatically converted to a corresponding Wrappable Native Token in accordance with, and subject to the conditions set forth in, Section 8.3 of this Appendix 4.

8.1.2. Requests to wrap your Wrappable Native Token and effectuate an Outbound Transfer of a corresponding Coinbase Wrapped Token to an external wallet may not be processed immediately. Once wrapped, you cannot redeem your Coinbase Wrapped Token for a corresponding Wrappable Native Token except as described in Section 8.3 below.

Not stated here

• Section 8.3, which governs conversion and redemption, appears in a later packet of this appendix.

Charges & Financial Obligations · Company commitment

Wrapped Token holders keep the economic value and risk of the native token, which Coinbase holds in custody for them

Each Coinbase Wrapped Token represents ownership of a corresponding native token held by Coinbase. While you hold the wrapped token you remain entitled to all economic value and risk of the underlying native token. Selling or transferring the wrapped token transfers ownership of the underlying token and the redemption right, and gives the recipient the economic value and risk, subject to the Agreement. Wrapped native tokens are held by Coinbase as custodial assets for holders, ownership and title remain with holders and do not transfer to Coinbase, and Sections 2.7 to 2.7.4 apply mutatis mutandis. Wrapped tokens are ERC-20 tokens that may be compatible with third-party protocols or software.

Supporting quotations

8.1.3. Each Coinbase Wrapped Token represents ownership of a corresponding Wrappable Native Token held by Coinbase in accordance with Section 8.1.5 of this Appendix 4. By wrapping your Wrappable Native Token in order to effectuate an Outbound Transfer of a corresponding Coinbase Wrapped Token to an external wallet on a supported protocol, you remain (for so long as you hold the Coinbase Wrapped Token) entitled to all of the economic value and risk of an underlying Wrappable Native Token.

8.1.4. Selling or otherwise transferring a Coinbase Wrapped Token automatically transfers ownership of an underlying Wrappable Native Token and the right to redeem described in Section 8.3 below, and entitles the recipient to the attendant economic value and risk of an underlying Wrappable Native Token, subject to the terms of this Agreement.

8.1.5. Wrappable Native Tokens that have been wrapped as Coinbase Wrapped Tokens are held by Coinbase as custodial assets for the benefit of holders of such Coinbase Wrapped Tokens, and ownership of and title to these assets shall remain with such holders and not transfer to Coinbase. Sections 2.7, 2.7.1, 2.7.2, 2.7.3, and 2.7.4 of the User Agreement shall apply, mutatis mutandis, to any Wrappable Native Token held on behalf of holders of a corresponding Coinbase Wrapped Token to the same extent as any Wrappable Native Token held by Coinbase on behalf of Coinbase customers.

8.1.6. Coinbase Wrapped Tokens are ERC-20 tokens and may be compatible with protocols or other software or technology provided by third parties.

Charges & Financial Obligations · Restriction or exception

Wrapped Token risks: no value guarantee, price divergence, and Coinbase may pause redemptions in a dislocation

By wrapping you accept that Coinbase does not guarantee the value of the native token held for wrapped-token holders and is not responsible for changes in its value. The external price of a wrapped token could diverge from the native token because of market fluctuations, which can be affected by market makers or others who get loans or incentives to buy it. In a significant price dislocation Coinbase may exercise its right to pause redemptions under Section 8.3.3.

Supporting quotations

8.2. Certain Risks. In addition, you understand, agree and accept the following risks associated with electing to wrap any Wrappable Native Token into a corresponding Coinbase Wrapped Token:

8.2.1. Coinbase does not guarantee the value of a Wrappable Native Token held on behalf of holders of a corresponding Coinbase Wrapped Token.

8.2.2. Coinbase is not responsible for any change in the value of a Wrappable Native Token held on behalf of holders of a corresponding Coinbase Wrapped Token.

8.2.3. The external price of a Coinbase Wrapped Token could diverge from the price of a corresponding Wrappable Native Token because of market fluctuations, which may be affected by the actions or inactions of market makers or other market participants who receive loans or other incentives to purchase the Coinbase Wrapped Token. In case of a significant price dislocation, Coinbase may exercise its right to pause redemptions in accordance with Section 8.3.3 of this Appendix 4.

Charges & Financial Obligations · Restriction or exception

No liquidity backstop or third-party security guarantee; Section 2.6 applies; regulation could limit services

Coinbase does not guarantee that wrapping will result in a successful exchange or sale of a wrapped token and has no obligation to backstop or intervene to guarantee liquidity. It does not guarantee the security or function of third-party protocols or software meant to work with wrapped tokens and is not responsible for losses from their failure. Because Coinbase does not own or control the underlying protocols, wrapped tokens are subject to Section 2.6 like other Digital Assets. Regulatory actions could limit the services Coinbase can provide for wrapped tokens.

Supporting quotations

8.2.4. Coinbase does not guarantee that wrapping a Wrappable Native Token will result in a successful exchange or sale of a corresponding Coinbase Wrapped Token, and Coinbase will not have any obligation to backstop or otherwise intervene to guarantee liquidity of such Coinbase Wrapped Token.

8.2.5. Coinbase does not guarantee the security or functionality of any third-party protocol, software or technology intended to be compatible with a Coinbase Wrapped Token and is not responsible for any losses of any Coinbase Wrapped Token due to the failure of third-party protocol, software or technology.

8.2.6. As with the protocols for other Digital Assets, Coinbase does not own or control the underlying protocols which govern the operation of any Coinbase Wrapped Token. Accordingly, all Coinbase Wrapped Tokens are subject to Section 2.6 of the User Agreement, like other Digital Assets.

8.2.7. As with other Digital Assets, a Coinbase Wrapped Token could be impacted by one or more regulatory actions, which could impede or limit the services we can provide with respect to such Coinbase Wrapped Token.

Charges & Financial Obligations · Procedure

Depositing a Coinbase Wrapped Token auto-unwraps it for eligible customers, though not necessarily immediately

If you start an inbound transfer of a Coinbase Wrapped Token to your wallet and meet the eligibility requirements, Coinbase automatically unwraps it and deposits the corresponding native token, redeeming the wrapped token. You must be a customer with an account in good standing. Geographic restrictions may apply, eligibility may change, and requests may not be processed immediately.

Supporting quotations

8.3.1. If you initiate an Inbound Transfer of a Coinbase Wrapped Token to your Digital Asset Wallet and you satisfy the eligibility requirements set forth in Section 8.3.2 below, Coinbase will automatically “unwrap” such Coinbase Wrapped Token and deposit a corresponding Wrappable Native Token to your Digital Asset Wallet, thereby redeeming your Coinbase Wrapped Token for a corresponding Wrappable Native Token.

8.3.2. To successfully complete an Inbound Transfer of a Coinbase Wrapped Token to your Digital Asset Wallet, you will need to be a Coinbase customer with a Coinbase Account in good standing. Additional geographic restrictions may apply, and eligibility is subject to change. Requests to complete an Inbound Transfer of a Coinbase Wrapped Token to your Digital Asset Wallet (which, for the avoidance of doubt, will result in Coinbase “unwrapping” such Coinbase Wrapped Token and depositing a corresponding Wrappable Native Token to your Digital Asset Wallet as described in Section 8.3.1 above) may not be processed immediately.

Qualifications & exceptions

• Requires good standing; geographic restrictions may apply; eligibility is subject to change.

Charges & Financial Obligations · Permission or license

Coinbase may pause or refuse redemptions on price dislocation, suspected fraud or suspected compromise

In its reasonable discretion Coinbase may pause redemptions of a wrapped token if a significant dislocation between its external price and the native token suggests, in Coinbase's sole discretion, that the supporting smart contracts or security features have been compromised. It may refuse a redemption if it suspects the token was acquired by fraudulent means, and may pause redemption if it otherwise suspects the security of the minting and burning smart contracts has been compromised.

Supporting quotations

8.3.3. Additionally, Coinbase may, in our reasonable discretion, (i) pause redemptions of any Coinbase Wrapped Token for a corresponding Wrappable Native Token if there is a significant dislocation in the external market price of such Coinbase Wrapped Token relative to a corresponding Wrappable Native Token that, in Coinbase's sole discretion, suggests that the smart contracts or other technology or security features supporting such Coinbase Wrapped Token have been compromised, (ii) refuse a redemption request if we suspect that the Coinbase Wrapped Token being presented for redemption was acquired through fraudulent means, or (iii) pause redemption if we otherwise suspect that the security of the smart contracts used to mint and burn the applicable Coinbase Wrapped Token has been compromised.

Qualifications & exceptions

• The first ground turns on Coinbase's sole discretion about whether a price dislocation suggests compromise.

Charges & Financial Obligations · Restriction or exception

If wrapped native tokens fall short, Coinbase's liability to each holder is limited to a pro rata share of the shortfall

A holder of a Coinbase Wrapped Token holds an ownership interest in a corresponding native token custodied by Coinbase. If there is a shortfall in the native token that has been wrapped and held by Coinbase, Coinbase's liability to any holder is limited to that holder's pro rata share of the shortfall amount.

Supporting quotations

8.3.4. Pursuant to the terms of this Agreement, a holder of a Coinbase Wrapped Token holds an ownership interest in a corresponding Wrappable Native Token custodied by Coinbase in accordance with Section 8.1.5 above. In the event of a shortfall in the amount of the Wrappable Native Token that has been wrapped as a Coinbase Wrapped Token and held by Coinbase in accordance with Section 8.1.5 above, Coinbase’s liability vis-a-vis any holder of such Coinbase Wrapped Token will be limited to such holder’s pro rata share of the shortfall amount.

Qualifications & exceptions

• Liability is limited to a pro rata share of any shortfall.

Cross-references

• contrast (model-proposed): Supported Digital Assets are held in custody for you; title stays with you but you bear the risk of loss — contrast: The main custody section says Supported Digital Assets are held for customers, are not Coinbase property and are not subject to claims of its creditors, while the wrapped-token terms limit Coinbase's liability to a holder's pro rata share of any shortfall in the native token held for wrapped-token holders.

Charges & Financial Obligations · Company practice

Coinbase may charge a fee to mint or unwrap wrapped tokens, disclosed when you start the request

Coinbase may charge a fee in connection with a request to mint or unwrap or redeem a Coinbase Wrapped Token, and any such fee will be disclosed when you start the request. Changes to the fees are made under Section 3.3 of the User Agreement.

Supporting quotations

8.4.1. Fees. Coinbase may charge a fee in connection with a request to mint or unwrap/redeem a Coinbase Wrapped Token, and any such fee will be disclosed to you at the time you initiate such request. Any changes to such fees will be effectuated in accordance with Section 3.3 of the User Agreement.

Not stated here

• Fee amounts are not stated.

Charges & Financial Obligations · Restriction or exception

Third-party versions of wrapped tokens may be treated as unsupported and not redeemed, risking loss

Coinbase reserves the right to treat any version of a wrapped token created by a third party, for example through a third-party wrapper or bridge to an unsupported network, as an unsupported Digital Asset under Section 2.3. It may refuse or be unable to redeem such a token sent to your wallet, which may result in irreversible loss. You are told not to send Third Party Wrapped Tokens to your wallet.

Supporting quotations

8.4.2. No support for wrapped Coinbase Wrapped Tokens. We reserve the right to treat any version of a Coinbase Wrapped Token that has been created by a third party (e.g., via a third party wrapper or bridge to an unsupported network) (“Third Party Wrapped Token”) as an unsupported Digital Asset in accordance with Section 2.3 of the User Agreement. That means that we may refuse or be unable to redeem any Third Party Wrapped Token that is sent to your Digital Asset Wallet for the corresponding Wrappable Native Token, which may result in irreversible loss of such Third Party Wrapped Token. Do not send Third Party Wrapped Tokens to your Digital Asset Wallet.

Charges & Financial Obligations · Permission or license

Eligible Coinbase One members may apply for a First Electronic Bank credit card, subject to approval

Eligible Coinbase One members may apply for a Coinbase One credit card issued by First Electronic Bank, and some may be offered a version with a security deposit. Issuance is subject to approval and not every member is approved. If approved, you must agree to the Cardholder Agreement with First Electronic Bank and to this User Agreement, including the Coinbase One Card Terms, which govern your relationship with Coinbase. The card may not be available in all states, and eligibility is subject to change.

Supporting quotations

Coinbase One Card. If you are an eligible Coinbase One member, you will have the option to apply for a Coinbase One credit card. Some eligible Coinbase One members will be offered the Coinbase One Card with security deposit (“Coinbase One Card with Security Deposit”). The Coinbase One Card, including the Coinbase One Card with Security Deposit, is issued by First Electronic Bank (“Coinbase One Card”). The issuance of a Coinbase One Card to a Coinbase One member is subject to approval; not every Coinbase One member will be approved. If you are approved for the Coinbase One Card, you must agree to the relevant Cardholder Agreement (defined below) with First Electronic Bank. You must agree to this User Agreement, including these Coinbase One Card terms (“Coinbase One Card Terms”), which govern your relationship with Coinbase. The Coinbase One Card may not be available in all states, and eligibility is subject to change.

Qualifications & exceptions

• Approval is not guaranteed; availability varies by state.

Not stated here

• The Cardholder Agreements were not supplied.

Charges & Financial Obligations · Restriction or exception

The Cardholder Agreement governs the card; Coinbase is not a party and it prevails in a conflict

The Coinbase One Card and the version with a security deposit are governed by their own Cardholder Agreements with First Electronic Bank. Coinbase is not a party to them. The Coinbase One Card Terms summarize certain features and add terms about your relationship with Coinbase. If the User Agreement, including these Card Terms, conflicts with the Cardholder Agreement, the Cardholder Agreement governs.

Supporting quotations

The Coinbase One Card and the Coinbase One Card with Security Deposit are governed respectively by the Coinbase One Card Cardholder Agreement (“Coinbase One Card Agreement”) and the Coinbase One Card with Security Deposit Cardholder Agreement (“Coinbase One Card with Security Deposit Agreement”). The Coinbase One Card Agreement and the Coinbase One Card with Security Deposit Agreement, as applicable, are referred to as the “Cardholder Agreement”.

Coinbase is not a party to the Cardholder Agreement.

These Coinbase One Card Terms summarize certain features of the Coinbase One Card and provide certain additional terms concerning your relationship with Coinbase.

In the event of a conflict between the User Agreement (including these Coinbase One Card Terms) and the Cardholder Agreement, the provisions of the Cardholder Agreement shall govern.

Charges & Financial Obligations · Permission or license

Designating Secured USDC lets the bank and its Control Party instruct Coinbase to transfer or sell it

If you do not otherwise qualify, you may be offered the option to designate USDC in your wallet, or USDC you will buy, as Secured USDC for the card with a security deposit. Under Section 2.7.2 all Supported Digital Assets, including Secured USDC, are treated as financial assets under Division 8, with Coinbase as securities intermediary. By designating Secured USDC you direct Coinbase to keep custody consistent with the security deposit agreement and authorize it, without further consent from you, to comply with instructions and entitlement orders from First Electronic Bank, its successors and assigns, and any party they designate (the Control Party, initially Cardless, Inc.). Those instructions may include transferring or selling the Secured USDC on default or account closure.

Supporting quotations

If you apply for the Coinbase One Card and do not otherwise qualify, you may be given the option to designate USDC in your Digital Asset Wallet, or USDC that you will purchase, as secured for purposes of the Coinbase One Card with Security Deposit (the “Secured USDC”).

As provided in Section 2.7.2 of this User Agreement, all Supported Digital Assets credited to the Digital Asset Wallet, including Secured USDC, are treated as “financial assets” under Division 8

you direct us to maintain custody of the Secured USDC consistent with the Coinbase One Card with Security Deposit Agreement

you authorize us as securities intermediary, without further consent from you, to comply in all respects with the instructions and entitlement orders regarding the Secured USDC from First Electronic Bank and its successors and assigns as well as any party designated by First Electronic Bank or its successors and assigns (the “Control Party”). The Control Party will initially be Cardless, Inc.

Such instructions may include transferring the Secured USDC to First Electronic Bank (or its successors or assigns) or the Control Party or selling the Secured USDC, in the event of a default or your account is otherwise closed in accordance with the Coinbase One Card with Security Deposit Agreement.

Qualifications & exceptions

• The Control Party is stated to be initially Cardless, Inc. and can change with successors and designations.
• Transfer or sale instructions arise on default or account closure under the security deposit agreement.

Not stated here

• The Coinbase One Card with Security Deposit Agreement was not supplied.

Cross-references

• narrows (model-proposed): Coinbase will not sell, loan or pledge your assets except as required by law, as you instruct, or for Secured USDC — exception_to: Section 2.7.1 says Coinbase will not sell, transfer, loan or otherwise alienate Supported Digital Assets except as required by law, as you instruct, or for Secured USDC, and the Coinbase One Card terms describe the Secured USDC instructions the bank and Control Party can give.

Charges & Financial Obligations · Restriction or exception

Secured USDC is locked until the card is closed and paid; the bank can liquidate it and you owe any shortfall

Under the security deposit agreement, Secured USDC cannot be withdrawn, transferred, lent, sold or traded until the card account is closed and amounts owed are paid in full. It is generally released within two Business Days after Coinbase receives an instruction from First Electronic Bank or the Control Party, but may take longer. If the account closes for any reason, such as voluntary closure or default, the bank or Control Party may take possession and apply sale proceeds to what you owe, without notice. If the Secured USDC and proceeds do not cover amounts owed, you stay responsible for the rest, including after a dispute not resolved in your favor, a balance above your credit line, USDC value changes or a Legal Order.

Supporting quotations

any Secured USDC will not be eligible for withdrawal, transferring, lending, selling, or trading until your Coinbase One Card with Security Deposit account is closed and any amounts owed are satisfied in full.

In general, Secured USDC will be released within two (2) Business Days of Coinbase receiving an instruction or entitlement order from First Electronic Bank (or its successors or assigns) or the Control Party, but it may take longer for the Secured USDC to be released to you.

First Electronic Bank (or its successors or assigns) or the Control Party may take possession of your Secured USDC and apply the proceeds of a sale or liquidation to the outstanding amount owed with respect to your Coinbase One Card with Security Deposit account without notice to you.

you remain responsible for the remaining unpaid amounts, including in the event a dispute is not resolved in your favor, your balance is greater than your credit line, the value of USDC fluctuates, or you are subject to a Legal Order

Qualifications & exceptions

• Release timing is 'in general' two Business Days and may take longer.

Charges & Financial Obligations · Company practice

On a legal order Coinbase generally uses unsecured assets first, then Secured USDC; card liability remains

If a third party obtains a garnishment, levy, lien, security interest or legal order to transfer your Supported Digital Assets (a Legal Order), Coinbase will, subject to law, generally first transfer your unsecured assets or their proceeds to satisfy it. If those are insufficient, Coinbase may transfer your Secured USDC or its proceeds to the third party. Subject to law, Secured USDC will typically first go toward the card balance before satisfying a Legal Order, as the security deposit agreement provides. You authorize such transfers, sales or liquidations and acknowledge they do not relieve you of liability on the card account.

Supporting quotations

In the event of a third party garnishment, levy, lien, security interest, or legal order to transfer any Supported Digital Assets in the Digital Asset Wallet to a third party (collectively, “Legal Order”),

Coinbase will subject to law generally first transfer your unsecured Supported Digital Assets (or the proceeds thereof) to satisfy such Legal Order; and if your unsecured Supported Digital Assets are insufficient to satisfy the Legal Order, Coinbase may transfer your Secured USDC (or the proceeds thereof) to a third party.

Subject to law, your Secured USDC and the proceeds thereof will typically be first applied to any balance or amount owed with respect to your Coinbase One Card with Security Deposit before being transferred to satisfy a Legal Order, as provided in your Coinbase One Card with Security Deposit Agreement.

You authorize any such transfer to a third party or sale or liquidation in connection with or in response to a Legal Order, and acknowledge that any such transfer, sale, or liquidation will not relieve you of any liability with respect to the Coinbase One Card account.

Qualifications & exceptions

• 'Subject to law', 'generally' and 'typically' qualify the ordering.

Charges & Financial Obligations · Company practice

The Coinbase One Card works where American Express is accepted, subject to the Cardholder Agreement

The Coinbase One Card can be used to buy goods and services at point of sale terminals, by phone, online or through payment platforms that accept American Express cards. Approval of any specific transaction is subject to the Cardholder Agreement's terms.

Supporting quotations

1.3. Role of the Coinbase One Card. The Coinbase One Card can be used to purchase goods and services from merchants at point of sale terminals, over the phone, online, or through payment platforms that accept American Express cards (“Credit Card Transactions”). However, the approval of any specific Credit Card Transaction is subject to the terms and conditions in the Cardholder Agreement. Please review the Cardholder Agreement for such terms and conditions.

Charges & Financial Obligations · Company practice

Your USD and Digital Asset Wallets link to the card, and rewards can be deposited to your wallet

Your USD Wallet and Digital Asset Wallet are linked to your Coinbase One Card. You can make payments toward your card balance from either wallet, and if eligible, bitcoin or other Digital Asset rewards Coinbase offers are deposited into your Digital Asset Wallet. Rewards terms are in the Rewards Program section and a separate Rewards Program Terms & Conditions page.

Supporting quotations

1.4. Coinbase Accounts Linked. Your USD Wallet and Digital Asset Wallet will be linked to your Coinbase One Card. If you have a Coinbase One Card, you may make payments towards your Coinbase One Card balance using your USD Wallet and your Digital Asset Wallet, and to the extent you are eligible, bitcoin rewards (or other Digital Asset rewards we offer from time to time) will be deposited into your Digital Asset Wallet. See Rewards Program below and the Coinbase One Card [Rewards Program Terms & Conditions](https://coinbase.com/legal/creditcard/rewards) for more information.

Not stated here

• The Coinbase One Card Rewards Program Terms & Conditions were not supplied.

Sharing & Disclosure · Permission or license

Applying for the Coinbase One Card lets Coinbase share your information with the bank, Cardless and providers

To apply you must provide certain personal information. You agree Coinbase may share personal information you previously gave it with First Electronic Bank, Cardless and any other service provider acting for the bank, to process your application, service your card account and provide benefits connected to the card or your Coinbase One membership. Your application is declined if you do not meet the bank's credit underwriting criteria, your identity cannot be verified, or you otherwise do not meet its standards.

Supporting quotations

You agree that we may share personal information you previously provided to us with First Electronic Bank, Cardless, and with any other service provider acting on First Electronic Bank’s behalf for purposes of processing your application for a Coinbase One Card, servicing your Coinbase One Card account, and providing you benefits in connection with your Coinbase One Card or your Coinbase One member account.

If you do not meet First Electronic Bank’s credit underwriting criteria, they are unable to verify your identity, or you otherwise do not meet First Electronic Bank’s standards or criteria, your application will be declined.

Not stated here

• The bank's and Cardless's use of the information is governed by their own terms, which were not supplied.

Charges & Financial Obligations · Restriction or exception

Activate the card per the bank's instructions; use it only for personal, family and household purposes

If approved you must activate the card following First Electronic Bank's instructions; a virtual card works immediately without activation. Under the Cardholder Agreement you may make credit card transactions and may use the card only for personal, family and household purposes, not business. You agree to use the card in line with the Cardholder Agreement, the User Agreement and the Card Terms.

Supporting quotations

Activating the Coinbase One Card. If you are approved for a Coinbase One Card, you must activate the Coinbase One Card in accordance with the activation instructions provided by First Electronic Bank. A virtual Coinbase One Card may be used immediately upon receipt and does not need to be activated.

4.1. Pursuant to the terms of your Cardholder Agreement, you may use the Coinbase One Card to make various Credit Card Transactions.

4.2. As provided for in the Cardholder Agreement, you may only use the Coinbase One Card for personal, family, and household purposes and not for any business purposes.

4.3. You agree that you will use the Coinbase One Card in accordance with the Cardholder Agreement, the User Agreement, and these Coinbase One Card Terms.

Charges & Financial Obligations · Procedure

Report lost or unauthorized use at once; fees, returns and refunds follow the Cardholder Agreement

If your card is lost, stolen or used without permission, call Coinbase Customer Service right away at the number in the Cardholder Agreement. To hold the card you must have an active, paid eligible Coinbase One membership with its subscription fee, and an annual plan is required for Coinbase One Basic. Coinbase charges no transaction fees for Digital Asset Services but includes a spread, including on card payments made from your Digital Asset Wallet. Card fees are in the Cardholder Agreement and interest disclosures. Returns and refunds follow the Cardholder Agreement and American Express rules, and refunds are applied to your balance or as that agreement provides.

Supporting quotations

Unauthorized Transactions or Errors. If your Coinbase One Card is lost, stolen, or used without your permission, call Coinbase Customer Service right away using the phone number listed in the Cardholder Agreement.

In order to be a Coinbase One Card cardholder you must have an active, paid eligible Coinbase One membership.

For Coinbase One Basic, an annual plan is required.

When we perform the Digital Asset Services, Coinbase will not charge transaction fees but will include a spread, including on payments towards your Coinbase One Card balance made with your Digital Asset Wallet, in accordance with this User Agreement.

The fees associated with your Coinbase One Card are described in your Cardholder Agreement

Returns and Refunds. Any return or refund shall be governed in accordance with your Cardholder Agreement and the rules of the American Express network. If you are entitled to a refund, it will be applied to your balance or as otherwise provided for in your Cardholder Agreement.

Not stated here

• Card fees and interest are in the Cardholder Agreement, which was not supplied.

Charges & Financial Obligations · Company practice

The Coinbase One Card Rewards Program enrolls you at activation; statements and the portal show transactions and rewards

Coinbase One Card holders are automatically enrolled in the Coinbase One Card Rewards Program on activation and may earn bitcoin or other Supported Digital Assets for eligible purchases, under separate Rewards Program Terms & Conditions. Details of credit card transactions appear on monthly statements and the Coinbase One Card portal, which also shows rewards earned.

Supporting quotations

Rewards Program. Coinbase One Card cardholders upon activation will be automatically enrolled in the Coinbase One Card rewards program (“Coinbase One Card Rewards Program”). You may be eligible through the Coinbase One Card Rewards Program to earn bitcoin or other Supported Digital Assets that we offer from time to time for eligible purchases. Refer to the Coinbase One Card [Rewards Program Terms & Conditions](https://www.coinbase.com/legal/creditcard/rewards) for the terms concerning the Coinbase One Card Rewards Program.

Information Regarding Coinbase One Card Transactions and Rewards. You may find details regarding Credit Card Transactions that you have made or that are otherwise associated with your Coinbase One Card on your monthly statements and in the Coinbase One Card portal of the Coinbase Site (“Coinbase One Card Portal”). You may also find details regarding rewards you have earned in connection with the Coinbase One Card Rewards Program in the Coinbase One Card Portal.

Not stated here

• The Rewards Program Terms & Conditions were not supplied.

Charges & Financial Obligations · Permission or license

The bank may restrict, suspend or cancel the card any time; closing your Coinbase One membership closes the card account

Under the Cardholder Agreement First Electronic Bank may restrict, suspend or cancel your card access at any time for any reason in its sole discretion and may refuse any transaction, including if Coinbase determines in its sole discretion that you breached the User Agreement. If you are no longer a Coinbase One member, your card account will be closed.

Supporting quotations

Restriction, Suspension, and Cancellation. As provided for in the Cardholder Agreement, First Electronic Bank may restrict, suspend, or cancel your access to the Coinbase One Card at any time and for any reason in its sole discretion. It may also refuse any transaction in its sole discretion. This includes if we determine in our sole discretion that you are in breach of the terms of the User Agreement. If you are no longer a Coinbase One member, your Coinbase One Card account will be closed.

Charges & Financial Obligations · Restriction or exception

Coinbase is not liable for loss from a merchant refusing the card, in addition to other limits

This section operates in addition to any other limitation of liability in the User Agreement. Coinbase will not be liable for any loss arising from a merchant refusing to accept a Coinbase One Card, with further exclusions listed in the following section.

Supporting quotations

Coinbase Liability. This section operates in addition to any limitation of liability expressed elsewhere in this User Agreement. In addition to any limitation of liability therein, Coinbase will not be liable to you for any loss arising from:

A merchant refusing to accept a Coinbase One Card;

Charges & Financial Obligations · Restriction or exception

Coinbase disclaims liability for purchased goods, unforeseeable events, bank decisions and legal compliance

Coinbase will not be liable for loss from goods or services you buy with the card, though you keep billing-error rights against First Electronic Bank; abnormal or unforeseen circumstances beyond its reasonable control that were unavoidable; the bank restricting, suspending or terminating a card or refusing to issue or replace it; the bank declining a transaction; Coinbase restricting, suspending or terminating your wallets or related Services; Coinbase's compliance with law or a Legal Order; or Coinbase properly following instructions of the bank or Control Party regarding Secured USDC or otherwise adhering to the security deposit agreement. If a card is faulty, liability is limited to helping replace the physical card.

Supporting quotations

The goods or services that you purchase from a merchant using a Coinbase One Card (however, you have rights in certain situations with respect to First Electronic Bank as specified in the billing-error rights statement that was provided with your Cardholder Agreement);

Any breach by Coinbase of the User Agreement due to abnormal or unforeseen circumstances beyond Coinbase’s reasonable control, which would have been unavoidable despite Coinbase’s efforts to stop it;

First Electronic Bank restricting, suspending, or terminating a Coinbase One Card or refusing to issue or replace a Coinbase One Card;

First Electronic Bank declining a Credit Card Transaction that you make or attempt to make using a Coinbase One Card;

Coinbase restricting, suspending, or terminating your USD Wallet, Digital Asset Wallet, or any related Coinbase Services; or

Coinbase’s compliance with any applicable laws and regulations or a Legal Order; or

Coinbase properly following the instructions of First Electronic Bank (or its successors or assigns) or the Control Party with respect to any Secured USDC subject to the Coinbase One Card with Security Deposit or otherwise adhering to the Coinbase One Card with Security Deposit Agreement with respect to the Secured USDC.

Where a Coinbase One Card is faulty, Coinbase’s liability shall be limited to assisting with the replacement of the physical Coinbase One Card.

Qualifications & exceptions

• Billing-error rights against First Electronic Bank are preserved under the Cardholder Agreement.
• Replacement help applies to the physical card.

Charges & Financial Obligations · Permission or license

The Token Sale Platform lets developers sell tokens to eligible users under additional Token Sale Terms

Coinbase makes available a Token Sale Platform where developers of certain digital assets can sell Sale Tokens to eligible users. By accessing it and buying Sale Tokens you agree to the Token Sale Terms, which govern how Coinbase provides the Token Sale Services, including on the site, and are read with the User Agreement.

Supporting quotations

Coinbase makes available a platform (the “Token Sale Platform”) where developers of certain digital assets (“Sellers”) will be able to sell those digital assets (“Sale Tokens”) to eligible users (such sales, “Sales”) (together the “Token Sale Services”). By accessing the Coinbase Token Sale Platform and purchasing Sale Tokens, you agree to be bound by these additional terms (“Token Sale Terms”).

10.1. Role of the Token Sale Terms. These Token Sale Terms govern the basis upon which Coinbase will provide you with the Token Sale Services and your use of those Token Sale Services, including within the Coinbase Site. These Token Sale Terms should be read in conjunction with this User Agreement.

Qualifications & exceptions

• Only eligible users can buy; tokens come from the Sellers, not Coinbase.

Charges & Financial Obligations · Company commitment

Each sale shows its price, allocations, payment assets and dates; payment is only in eligible Supported Digital Assets

The platform shows information for each Sale such as the price per token or how price is determined, minimum and maximum allocation per purchaser, how allocation works, eligible payment assets, and the Opening and Closing Dates. Prices may be shown in fiat or Supported Digital Assets but are payable only in the eligible Supported Digital Assets.

Supporting quotations

10.2. Where to Find Information. The Token Sale Platform for a particular Sale will display certain information related to the Sale, such as the price per Sale Token or the manner of determining price, the minimum and maximum allocation to each purchaser, the manner of allocation, the Supported Digital Assets that are eligible for use as payment, and the start date (the “Opening Date”) and end date (the “Closing Date”) from and to which the Sale Tokens will be available for sale. Prices for tokens on the Token Sale Platform may be displayed in fiat or Supported Digital Assets, but will be payable only in the Supported Digital Assets that are eligible for use as payment.

Charges & Financial Obligations · Procedure

To buy Sale Tokens you need enough eligible assets; your order is a standing instruction to purchase

To place an order you must hold the required amount of eligible Supported Digital Assets. On the Opening Date you can commit an amount you choose, subject to minimum and maximum allocations and any restrictions you place on the order. These orders are a standing specific instruction to execute a purchase of Sale Tokens on the platform.

Supporting quotations

10.3. Purchasing Sale Tokens. To place an order to purchase Sale Tokens, you must have the required amount of eligible Supported Digital Assets in your Coinbase Account to complete such purchase. On the Opening Date, Coinbase will allow you to commit an amount of eligible Supported Digital Assets determined by you to purchase the relevant Sale Tokens, which will be subject to minimum and maximum allocations and any restrictions you place on your order, if applicable. Such orders constitute a standing specific instruction from you to execute an order to purchase Sale Tokens on the Token Sale Platform.

Charges & Financial Obligations · Restriction or exception

Committed assets are locked until the sale is cancelled or allocated; your request may be filled partly or not at all

Supported Digital Assets needed to fulfil your purchase are committed from the time you place the order, and you authorize Coinbase to lock them in a designated wallet until the sale completes. They are treated as financial assets under Division 8 of the California UCC per Section 2.7.2. Your order is only a request, so your allocation may not be filled in full, or at all, and the maximum depends on eligibility. You cannot transfer, withdraw or change the commitment until the sale is cancelled under Section 10.7 or the final allocation under Section 10.5, after which any unused amount is free to move.

Supporting quotations

Any Supported Digital Assets that are necessary to fulfill your purchase obligation in full will be committed from the time you place your order

you authorize Coinbase to lock these Committed Digital Assets until completion of the Sale

Committed Digital Assets will be treated as “financial assets” under Division 8 of the California Uniform Commercial Code pursuant to Section 2.7.2 of this User Agreement.

Your Committed Digital Assets are a request for Sale Tokens and your allocation request may not be filled in its entirety, or at all.

You acknowledge and agree that you will not be able to transfer or withdraw any of the Committed Digital Assets, or modify your request, until the earlier of: (a) the cancellation of the Sale process pursuant to Section 10.7; or (b) the final allocation of Sale Tokens pursuant to Section 10.5, in which case, if you did not receive your full allocation, you will be free to transfer or withdraw the amount of Committed Digital Assets that were not used to purchase Sale Tokens.

Qualifications & exceptions

• The lock ends at the earlier of sale cancellation or final allocation.

Charges & Financial Obligations · Company practice

After closing, allocated tokens are credited and payment goes to the Seller; Coinbase may charge fees

After the Closing Date, unless the sale is cancelled, Coinbase credits your wallet with the Sale Tokens allocated and purchased from the Seller and transfers the matching value of Committed Digital Assets to the Seller. Credited tokens are treated as Supported Digital Assets subject to Section 2.7. Coinbase may charge a fee on your order, and by ordering you agree to pay applicable fees, which are disclosed when you place the order and described on a linked page.

Supporting quotations

10.5. Sale Completion / Allocation. Following the Closing Date, unless the Sale has been cancelled pursuant to Section 10.7, Coinbase will credit your Digital Asset Wallet with the Sale Tokens you have been allocated and purchased from the Seller, and transfer the corresponding value of Committed Digital Assets to the Seller. Sale Tokens credited to your Digital Asset Wallet are treated as Supported Digital Assets and subject to Section 2.7 of this User Agreement.

Coinbase may charge a fee in connection with your order to purchase Sale Tokens and by placing an order on the Token Sale Platform, you agree to pay all applicable fees.

will be disclosed to you at the time you place such order

Not stated here

• Fee amounts are on a linked page that was not supplied.

Charges & Financial Obligations · Company commitment

The Seller or Coinbase may cancel a sale; committed assets are released within 25 calendar days

The Seller or Coinbase may cancel a Sale after it has begun. To the extent Coinbase holds your Committed Digital Assets, it will release them within 25 calendar days from the cancellation date, after which they are no longer committed and you can transfer or withdraw them.

Supporting quotations

10.7. Sale Cancellation. The Seller or Coinbase may cancel a Sale after it has begun, in which case, to the extent Coinbase is holding any of your Committed Digital Assets, Coinbase will release such Committed Digital Assets within 25 calendar days from the date of the Sale cancellation, and such assets shall cease to be committed to the relevant Sale and you will be able to transfer or withdraw them.

Qualifications & exceptions

• The release deadline is 25 calendar days from cancellation, not immediate.

Charges & Financial Obligations · Restriction or exception

You buy directly from the Seller; Coinbase is not seller, underwriter or issuer and does not verify Seller disclosures

In a Sale you buy Sale Tokens directly from the Seller, who prices them. Coinbase is not the seller, underwriter or issuer, and you enter an agreement with the Seller whose terms may be shown on the platform. Coinbase is not responsible if the Seller fails to comply with that agreement. Sale Disclosures such as whitepapers are provided by the Seller for general information only; Coinbase does not verify them and gives no assurance about accuracy, completeness or sufficiency, and has no liability for inaccuracies.

Supporting quotations

10.8. Transaction counterparties. In a Sale, you are purchasing Sale Tokens directly from the Seller. Sale Tokens are priced by the Seller. You acknowledge and agree that Coinbase is not the seller, underwriter, or issuer of any Sale Tokens, and by purchasing Sale Tokens, you are entering into an agreement (the terms of which may be displayed on the Token Sale Platform) to purchase the Sale Tokens from Seller. Coinbase is not responsible for any failure by the Seller to comply with the terms of any agreement between you and the Seller, whether set forth on the Token Sale Platform or in other terms provided by the Seller or its related parties.

The content of the Sale Disclosures is provided by Seller and is for general informational purposes only.

Coinbase does not verify information provided by Seller on the Sale Disclosures and makes no assurance, representations or warranties, express or implied, regarding the accuracy, completeness, or sufficiency of the information provided and shall have no liability for any inaccuracies in such materials.

Charges & Financial Obligations · Restriction or exception

Coinbase makes no warranty about Sale Tokens, may stop supporting them, and you assume all risk

Without limiting Section 8.2, Coinbase makes no warranty about any Sale Tokens, including title, merchantability, fitness and non-infringement, absence of errors or malware, that tokens or associated protocols will function as described or launch, that the Seller complied with law, or that using the tokens complies with law. It does not guarantee a market or any price level. Coinbase may stop supporting Sale Tokens after delivery, in which case you may need to withdraw them. You assume all risks and liabilities from buying, selling or using Sale Tokens and are encouraged to consult independent advisors.

Supporting quotations

Without limitation of Section 8.2 of these Terms, Coinbase makes no warranty with respect to any Sale Tokens, including any warranty of title, merchantability, fitness for a particular purpose and/or non-infringement, that the Sale Tokens will be free from errors, glitches, bugs, viruses or other malicious software, that the Sale Tokens or any associated protocol will function as described in any materials provided by the Seller or that any associated protocol will launch, that Seller has complied with applicable law in connection with the issue, development, or sale of the Sale Tokens, or that the use of Sale Tokens or any associated protocol will comply with applicable law.

Coinbase does not guarantee that there will be a market in Sale Tokens or that Sale Tokens will maintain any specific price level.

Coinbase may cease to support any Sale Tokens (as Supported Digital Assets) following the delivery thereof to your Coinbase Account, and in that case you may need to withdraw your Sale Tokens.

you assume all risks and liabilities associated with the purchase, sale or use of any Sale Tokens

Legal Rights & Agreement Rules · Restriction or exception

No warranties or liability for Sellers, tokens or disclosures, in addition to other limits

Coinbase makes no warranties, express or implied, about Sellers and their associated persons, Sale Tokens, associated protocols, assets available through them, the suitability, privacy or security of their products or services, or information they provide including Sale Disclosures. You acknowledge sole responsibility for and assume all risk of using Third Party Services, including loss of assets used or traded through them. Coinbase is not liable for any damages arising from them, and this operates in addition to other limits in the User Agreement.

Supporting quotations

COINBASE MAKES NO WARRANTIES OR REPRESENTATIONS, EXPRESS OR IMPLIED, ABOUT SELLERS AND THEIR ASSOCIATED PERSONS, SALE TOKENS, THE ASSOCIATED PROTOCOLS, ASSETS AVAILABLE THROUGH THEM, OR THE SUITABILITY, PRIVACY, OR SECURITY OF THEIR PRODUCTS OR SERVICES OR ANY INFORMATION PROVIDED BY ANY OF THEM INCLUDING, BUT NOT LIMITED TO, THE SALE DISCLOSURES (“THIRD PARTY SERVICES”).

YOU ACKNOWLEDGE SOLE RESPONSIBILITY FOR AND ASSUME ALL RISK ARISING FROM YOUR USE OF THIRD-PARTY SERVICES, THIRD-PARTY WEBSITES, APPLICATIONS, OR RESOURCES, INCLUDING RISK OF LOSS FOR ASSETS UTILIZED WITHIN OR TRADED THROUGH SUCH THIRD-PARTY SERVICES.

IN NO EVENT WILL COINBASE BE LIABLE FOR ANY DAMAGES ARISING OUT OF OR RELATING TO THIRD PARTY SERVICES.

THIS SECTION OPERATES IN ADDITION TO ANY LIMITATION OF LIABILITY EXPRESSED ELSEWHERE IN THIS USER AGREEMENT.

Account & Service Control · Restriction or exception

Token sale access needs a verified account in good standing and per-sale eligibility; insiders may not buy

To use the Token Sale Platform you must have a registered account, have completed identity verification, and be in good standing and eligible to transact. Coinbase may decline to offer it at its discretion. Eligibility for any particular Sale depends on criteria set by Coinbase and the Seller and may differ by Sale. You may not place an order if you are an employee, officer, director or contractor of the Seller, its affiliates, or any other entity involved in developing the Sale Tokens or associated protocol.

Supporting quotations

10.12. Eligibility. In order to use the Token Sale Platform, you must (a) have a registered Coinbase account, (b) have successfully completed identity verification on your account, and (c) be in good standing and eligible to transact on the Coinbase platform. We reserve the right to not offer the Token Sale Platform to you at our discretion. Your eligibility to purchase Sale Tokens in any particular Sale will be based on criteria determined by Coinbase and the Seller in such Sale, and may be different for different Sales.

10.13. Connected Persons. You may not place an order for Sale Tokens if you are an employee, officer, director or contractor of the Seller, its affiliates, or any other entity involved in the development of the Sale Tokens or any associated protocol.

Sharing & Disclosure · Permission or license

Coinbase may share information with the Seller; sales follow the Prohibited Use Policy and insider-information limits

By using the platform you acknowledge Coinbase may share certain information with the Seller for purposes related to the sale and delivery of Sale Tokens, or as required in line with its Privacy Policy. Participation is subject to the Prohibited Use Policy, and you must not participate in a manner that is unfair, abusive, manipulative or illegal. If you receive information that may amount to inside information about a Sale, you may not participate in it and must not unlawfully disclose it.

Supporting quotations

10.14. Information Disclosure. By using the Token Sale Platform, you acknowledge that Coinbase may share certain information with the Seller for purposes related to the sale and delivery of the Sale Tokens, or as required in accordance with our [Privacy Policy](https://www.coinbase.com/en-gb/legal/privacy).

10.15. Prohibited Use. Your participation in a Sale is subject to our [Prohibited Use Policy](https://www.coinbase.com/legal/prohibited_use). In addition, you must not participate in a Sale in a manner which is unfair, abusive, manipulative, or illegal in any way. If you receive information which may amount to inside information in connection with any Sale, you may not participate in that Sale, and you must not unlawfully disclose that information to another person.

Not stated here

• The categories of information shared with the Seller are not specified; the Privacy Policy was not supplied.

Charges & Financial Obligations · Company practice

Equities trade through Coinbase Capital Markets Corporation, a separate broker, with Apex Clearing as carrying broker

Equities trading in the United States is made available through Coinbase Capital Markets Corporation, a FINRA and SIPC member. Securities services from CCM are separate from the digital asset services of Coinbase, Inc. and its affiliates. Execution, clearing and custody of all securities are provided by CCM's carrying broker, Apex Clearing Corporation. More about CCM is on FINRA BrokerCheck, and CCM's customer agreement, fees and disclosures are on a linked page.

Supporting quotations

Equities trading is made available in the United States through Coinbase Capital Markets Corporation (“CCM”) member FINRA /SIPC (https://www.sipc.org). Securities services offered by Coinbase Capital Markets Corp are separate from digital asset services provided by Coinbase Inc., and any affiliates. Additional information about your broker, Coinbase Capital Markets Corp, can be found on FINRA’s BrokerCheck (https://brokercheck.finra.org). Execution, clearing and custody of all securities are provided by CCM’s carrying broker - Apex Clearing Corporation.

11.1. Where to Find Information. Additional information related to CCM, equities trading, any fees, and the role of Apex Clearing Corporation - including a copy of your CCM Customer Agreement, and related documents and disclosures - can be found at [https://coinbase.com/ccm](https://coinbase.com/ccm).

Not stated here

• The CCM Customer Agreement and related disclosures are on a linked page that was not supplied.

Charges & Financial Obligations · Restriction or exception

SIPC does not cover digital assets or USD Wallet cash; the USD cash FDIC pass-through terms repeat Section 2.8

SIPC does not apply to digital assets or cash held in your USD Wallet. The section repeats the Section 2.8 terms: USD held as cash is pooled in custodial accounts at insured institutions with possible pass-through FDIC or NCUSIF insurance up to the per-depositor limit (currently $250,000 per individual), contingent on correct customer information, accurate records and the regulator's determination in a receivership. Coinbase may also invest funds in liquid investments such as U.S. treasuries or government money market funds, owns the earnings, says it will not use customer funds for operating expenses, and is not itself an insured bank or credit union.

Supporting quotations

SIPC does not apply to digital assets or cash held in your USD Wallet.

To the extent your USD is held as cash, the balance of your USD Wallet is maintained in pooled custodial accounts at one or more financial institutions insured by the Federal Deposit Insurance Corporation (“FDIC”) or the National Credit Union Share Insurance Fund (“NCUSIF”). Coinbase may also place your funds in liquid investments, which may include but are not limited to U.S. treasuries or U.S. government money market funds, in accordance with state money transmitter laws. Your funds may be held in any one of these manners.

Our custodial cash accounts have been established in a manner to make available pass-through FDIC or NCUSIF insurance available up to the per-depositor coverage limit then in place (currently $250,000 per individual). Availability of pass-through insurance is contingent upon factors including Coinbase having correct information about you as a customer and maintaining accurate records, and on the determination by the relevant federal regulator as receiver, at the time of a receivership of a bank or credit union holding a custodial account.

Coinbase is not an FDIC-insured bank or NCUSIF-insured credit union. Coinbase owns the interest or other earnings on these investments. Coinbase will not use customer funds for its operating expenses or any other corporate purposes.

Qualifications & exceptions

• Pass-through insurance is contingent, and applies to USD held as cash, not digital assets.

Charges & Financial Obligations · Permission or license

Standing instructions let Coinbase receive CCM free credit balances and send your cash to pay for trades

If you have a brokerage account with CCM, you give Coinbase a standing instruction to receive from CCM's clearing and carrying broker-dealer any free credit balance, including sale proceeds, cash dividends and interest, and to reserve or hold funds for pending orders or conditional offers to buy, as required. You also instruct Coinbase to promptly process and transfer your cash funds to the carrying broker-dealer to pay for securities purchases made through the brokerage account.

Supporting quotations

11.3. Trading Equities Through CCM. Where you maintain a brokerage account with our affiliate (“Brokerage Account”), CCM, you hereby agree to provide us (Coinbase) with a standing instruction to receive from CCM’s clearing and carrying broker-dealer any free credit balance, including those derived from sale proceeds, cash dividends and interest, held in your Brokerage Account and a standing instruction for us reserve or hold funds in connection with pending orders or conditional offers to buy placed through your Brokerage Account, as required, and to promptly process and transfer your cash funds held in your Account to CCM’s clearing and carrying broker-dealer to pay for securities purchases you effected through your Brokerage Account.

Charges & Financial Obligations · Permission or license

If a trade fails or reverses, Coinbase may use or liquidate your property to cover CCM's losses without notice

If you fail to pay for a security you buy, fail to deliver a security you sell through CCM, or a transfer of securities into your CCM account fails or is reversed, you authorize Coinbase, on CCM's demand for payment and without notice to you, to use your property under Coinbase's control to cover losses CCM suffers from the failure or reversal, including by liquidating that property.

Supporting quotations

If you fail to pay for a security you purchase, fail to deliver a security you sell through CCM, or a transfer of securities into your account at CCM fails or is reversed, you hereby authorize us, upon CCM’s demand for payment made to us and without notice to you, to use your property cover any losses that CCM may suffer as a result of any such failure or reversal, by using any property of yours under our control to make CCM whole, including liquidating any such property.

Qualifications & exceptions

• Triggered by CCM's demand for payment; no notice to you is promised.

Account & Service Control · Restriction or exception

Equities trading needs a verified account in good standing plus any CCM criteria; Coinbase may decline

In addition to CCM's own eligibility criteria, to use equities trading you must have a registered Coinbase account, have completed identity verification, and be in good standing and eligible to transact. Coinbase may decline to offer equities trading to you at its discretion.

Supporting quotations

11.4. Eligibility. In addition to any eligibility criteria established by CCM, in order to use the equities trading platform, you must (a) have a registered Coinbase account, (b) have successfully completed identity verification on your account, and (c) be in good standing and eligible to transact on the Coinbase platform. We reserve the right to not offer equities trading to you at our discretion.

Legal Rights & Agreement Rules · Restriction or exception

You warrant disclosure of affiliate or restricted-security status and that you are not OFAC-blocked

You represent and warrant that you will promptly notify CCM if you are or become an officer, director, 10% shareholder, control person or other affiliate of an issuer, or if transactions involve restricted or control securities, and that you will not trade such securities unless you comply with legal requirements and provide requested documentation. Coinbase may refuse or restrict such transactions in its sole discretion until requirements are met. You also represent that you are not, and have not been, an OFAC Specially Designated National or blocked person, have no reason to believe you would be treated as one, and are not acting as an agent of one. Coinbase may restrict your ability to enter orders to comply with regulatory restrictions, trading halts, sanctions and government orders.

Supporting quotations

You represent and warrant that you will promptly notify CCM if you are, or become, an officer, director, 10% shareholder, control person, or otherwise an affiliate of an issuer, or if any transactions involve securities that are restricted or control securities (including pursuant to Rules 144 or Rule 145).

You agree not to effect transactions in restricted or control securities unless you have complied with all legal requirements and provided documentation reasonably requested by Coinbase, CCM, or the carrying broker, including opinions of counsel, legend removal instructions, and seller’s representations. Coinbase, in its sole discretion, may refuse to process, or may place restrictions on, such transactions until requirements are satisfied.

You represent and warrant that you are not, and have not been, designated by the U.S. Department of the Treasury Office of Foreign Assets Control (OFAC) as a “Specially Designated National” or blocked person. You further represent and warrant that you have no reason to believe that you would be considered a blocked person, and that you are not acting as an agent of any such blocked person.

Coinbase may restrict your ability to enter orders or otherwise transact in your account in order to comply with regulatory restrictions, trading halts, government sanctions, and government orders.

Legal Rights & Agreement Rules · Restriction or exception

You must not join IPOs through CCM if you are a FINRA restricted person, and must report eligibility changes

You represent and warrant that you will not take part in an IPO or other new issue through CCM if you, or any account in which you have a beneficial interest, are a restricted person under FINRA Rule 5130, or if participation is otherwise prohibited by FINRA Rule 5131. You agree to promptly tell CCM if your eligibility status changes.

Supporting quotations

You further represent and warrant that you will not participate in any initial public offering (IPO) or other new issue offering through CCM if you (or any account in which you have a beneficial interest) are a 'restricted person' under FINRA Rule 5130, or if such participation is otherwise prohibited under FINRA Rule 5131. You agree to promptly notify CCM if your eligibility status under these rules changes.

Sharing & Disclosure · Permission or license

Coinbase may share information as the Privacy Policy allows and give your account information to the carrying broker

By using equities trading you acknowledge Coinbase may share certain information as required and in line with its Privacy Policy. By submitting a CCM account application you authorize Coinbase to provide information about you and your account to the carrying broker, as required and necessary, and the carrying broker may in its discretion obtain your account documentation directly from you.

Supporting quotations

11.6. Information Disclosure. By using the equities trading platform, you acknowledge that Coinbase may share certain information as required and in accordance with our [Privacy Policy](https://www.coinbase.com/en-gb/legal/privacy). Furthermore, by submitting an account application with CCM, you authorize Coinbase to provide information about you and your account to the carrying broker, as required and necessary, and the carrying broker in its discretion may obtain your account documentation directly from you.

Not stated here

• The Privacy Policy was not supplied.

Legal Rights & Agreement Rules · Restriction or exception

You agree not to engage in manipulative or deceptive trading practices under the CCM Customer Agreement

You agree not to engage in manipulative or deceptive trading practices as outlined in Section 16.3 of the CCM Customer Agreement, a copy of which is on a linked page.

Supporting quotations

11.7. Prohibited Use. You agree to not to engage in manipulative or deceptive trading practices, as outlined in the CCM Customer Agreement, Section 16.3, a copy of which can be found at [https://coinbase.com/ccm](https://coinbase.com/ccm).

Not stated here

• The CCM Customer Agreement and its Section 16.3 were not supplied.

Charges & Financial Obligations · Procedure

Direct Deposit routes pay or government payments to your account via a virtual number, not a bank account

If you are eligible and have completed identity verification, you may have all or part of a paycheck or eligible federal or state government payment deposited into your Coinbase Account. You enroll by giving your employer, payroll provider or government payer the virtual account and routing numbers Coinbase provides. These numbers exist solely to receive payroll and eligible government payments and do not represent a bank account in your name. The recipient's name must match your account name, and the first deposit may take two to three payroll cycles.

Supporting quotations

If you are [eligible](https://help.coinbase.com/en/coinbase/trading-and-funding/direct-deposit/intro) for our Direct Deposit feature (“Direct Deposit”), and have completed identity verification, you may arrange to have all or part of your paycheck or any eligible federal or state government benefit or payment deposited into your Coinbase Account.

1.1. Enrollment. You can enroll in Direct Deposit by providing your employer, payroll provider or applicable government payer with the virtual account and routing numbers we provide to you. The virtual account and routing number are provided solely to facilitate electronic receipt of payroll and eligible government payments into your Coinbase Account. The virtual account and routing number do not represent a bank account in your name. Coinbase does not make any representations about your employment status by enrollment in Direct Deposit. The recipient's name on any direct deposits must match the name on your Coinbase Account. Your first direct deposit may take 2–3 payroll cycles to begin, as determined by your employer, payroll provider or applicable government payor. Please visit the [Help Center](https://help.coinbase.com/en/coinbase/trading-and-funding/direct-deposit/manage) for more details on enrolling in direct deposit.

Qualifications & exceptions

• Eligibility and identity verification are required.
• Timing depends on the payer.

Sharing & Disclosure · Permission or license

Direct deposits move over ACH through Payment Partners, who act as receiving institution for your credits

Direct deposits are processed over the ACH network. Coinbase uses regulated financial institutions and third-party payment processors, called Payment Partners, to receive and process them. By using Direct Deposit you authorize Coinbase and its Payment Partners to act as the receiving institution for your ACH credit entries under the NACHA Operating Rules and applicable law.

Supporting quotations

1.2. Payment Partners. Direct deposits are processed via the Automated Clearing House (ACH) network. Coinbase utilizes regulated financial institutions and third‑party payment processors (“Payment Partners”) to receive and process your direct deposit. By using Direct Deposit, you authorize Coinbase and its Payment Partners to act as the receiving institution for your ACH credit entries under the NACHA Operating Rules and applicable law.

Charges & Financial Obligations · User right or choice

You may convert direct deposit funds into digital assets by recurring purchases that are not FDIC-insured

You may elect to convert some or all of your direct deposit funds into a Supported Digital Asset, though not every Supported Digital Asset is available. Each conversion is a purchase at the price at the time on Coinbase, and you authorize recurring purchases according to your allocations, which you can change any time. Digital assets can rise or fall against the US dollar and are not FDIC insured. The Help Center explains how USD balances are insured.

Supporting quotations

Allocation and Conversion to Digital Assets. You may elect to convert some or all of your direct deposit funds into a Supported Digital Asset. Not all Supported Digital Assets are available for Direct Deposit. Each conversion is a purchase of the Supported Digital Asset at the price at the time of conversion on Coinbase, and you authorize recurring purchases according to your allocations. You can change your allocations at any time. Digital assets can appreciate or depreciate relative to US dollars (“USD”) and are not insured by the Federal Deposit Insurance Corporation (FDIC). Please visit the Help Center for more information, including how USD balances are insured.

Charges & Financial Obligations · Company practice

No setup fees; trading fees waived on conversions but a spread may apply; typically 3-5 business days; limits

Coinbase charges no fees to set up or maintain Direct Deposit and waives trading fees on associated conversions, though a spread may still apply. You are responsible for fees on later transactions. Funds typically become available 3-5 business days (excluding Federal holidays) after the payer initiates the deposit, or sometimes sooner; availability is not guaranteed and can be delayed by holidays or processing. Coinbase may set limits on the size or number of deposits in its sole discretion and may accept, reject or limit transfers.

Supporting quotations

We do not charge any fees to set up or maintain Direct Deposit and we will waive the Coinbase trading fees on Digital Asset conversions associated with Direct Deposit. A spread may still apply to Digital Asset conversions.

The availability of your Direct Deposit funds is subject to the timing of your payer’s funding processes.

Funds transferred via Direct Deposit will typically be available 3-5 business days (excluding Federal holidays) from the day your payer initiated the deposit, or sometimes sooner. Availability is not guaranteed and may vary by payer, third-party payroll provider used by your payer, and payroll schedule. Deposits may be delayed for federal or bank holidays or other processing delays that are out of our control.

Transfer Limits. We may, at our sole discretion, set limits or restrictions on the size or number of direct deposit transactions you can make. You can find the initial limits for Direct Deposit in the [Help Center](https://help.coinbase.com/en/coinbase/trading-and-funding/direct-deposit/intro). We reserve the right to accept, reject or limit transfers via Direct Deposit in our sole discretion.

Qualifications & exceptions

• The fee waiver covers set-up, maintenance and trading fees on associated conversions; a spread may apply.
• Availability times are typical, not guaranteed.

Not stated here

• The initial limits are on a linked Help Center page that was not supplied.

Charges & Financial Obligations · Restriction or exception

Reversed or returned deposits are debited from your account and recovered from your balances and later deposits

If a credited direct deposit is reversed or returned, Coinbase reverses the credit by debiting your account for that amount and recovers it by applying funds in your account, including payouts or credits due to you such as your next or subsequent direct deposit. You can review your transaction history in the app to confirm each deposit.

Supporting quotations

Reversals and Returns. If a credited direct deposit is reversed or returned, Coinbase will reverse the credit by debiting your Coinbase Account in the amount of the reversal and will recover such amount by applying funds in your Coinbase Account, including any payouts or credits due to you (including your next or subsequent direct deposit).

Transaction History. You may review your transaction history on the Coinbase app to verify that each direct deposit has been received.

Charges & Financial Obligations · Company practice

Coinbase may offer partner-branded stablecoins issued by Coinbase and designed to be backed one-to-one by USDC

In some jurisdictions Coinbase may let you mint (shown as buy), redeem (shown as sell), hold or transfer Digital Assets that Coinbase or its affiliates issue but that carry a third-party partner's branding. Each Coinbase Custom Stablecoin is designed to be backed one-to-one by USDC, the Reserve Asset. To mint or redeem you need an account in good standing. Geographic restrictions may apply and eligibility is subject to change.

Supporting quotations

13. Coinbase Custom Stablecoins

13.1. Using Coinbase Custom Stablecoins. In some jurisdictions, Coinbase may make available to you the ability to mint (which may be displayed as ‘buy’), redeem (which may be displayed as ‘sell’), hold, or transfer certain Digital Assets that are issued by Coinbase or its affiliates but bear the branding of third-party partners (each, a “CCS Partner”) (such Digital Assets, “CCS”). Each CCS is designed to be backed one-to-one by USDC (“Reserve Asset”). To mint or redeem a CCS, you will need to be a Coinbase customer with a Coinbase Account in good standing. Additional geographic restrictions may apply, and eligibility is subject to change. By electing to mint a CCS, you understand and agree that:

Qualifications & exceptions

• Offered only in some jurisdictions; 'designed to be' backed one-to-one rather than a guarantee.

Charges & Financial Obligations · Company commitment

CCS holders own an interest in the USDC Reserve Asset held in custody, but the cross-references cite Section 12 numbers

Each CCS represents an ownership interest in a corresponding Reserve Asset held by Coinbase, and while you hold it you keep the economic value and risk of that asset. Selling or transferring a CCS transfers ownership of the Reserve Asset and the redemption right. The Reserve Asset is held by Coinbase as a custodial asset for CCS holders; ownership and title stay with them and do not pass to Coinbase, and Sections 2.7 through 2.7.4 apply mutatis mutandis. CCS are ERC-20 or SPL tokens that may be compatible with third-party protocols or software. The cross-references in these provisions name Sections 12.1.3 and 12.3, while the stablecoin section is numbered 13.

Supporting quotations

13.1.1. Each CCS represents an ownership interest in a corresponding Reserve Asset held by Coinbase in accordance with, and subject to the conditions set forth in Section 12.1.3 of this Appendix 4. By obtaining a CCS, you remain (for so long as you hold the CCS) entitled to all of the economic value and risk of the underlying Reserve Asset.

13.1.2. Selling or otherwise transferring a CCS automatically transfers ownership of an underlying Reserve Asset and the right to redeem described in Section 12.3 below, and entitles the recipient to the attendant economic value and risk of the Reserve Asset, subject to the terms of this Agreement.

13.1.3. The Reserve Asset backing a CCS is held by Coinbase as a custodial asset for the benefit of holders of such CCS, and ownership of and title to these assets shall remain with the holders and not transfer to Coinbase. Section 2.7, 2.7.1, 2.7.2, 2.7.3 and 2.7.4 of the User Agreement shall apply, mutatis mutandis, to any Reserve Asset held on behalf of holders of a corresponding CCS to the same extent as any Reserve Asset held by Coinbase on behalf of Coinbase customers.

13.1.4. CCS are ERC-20 and/or SPL tokens and may be compatible with protocols or other software or technology provided by third parties.

Qualifications & exceptions

• Several internal references read 12.x although the stablecoin terms are numbered 13.x in the source.

Not stated here

• Which section the 12.x references are meant to point to is not stated.

Charges & Financial Obligations · Restriction or exception

CCS is not legal tender, not government-backed, and has no FDIC or SIPC protection

Coinbase Custom Stablecoins are not legal tender or backed by any government, and are not covered by FDIC protections or insurance or by Securities Investor Protection Corporation protections.

Supporting quotations

13.2. Certain Risks. In addition, you understand, agree and accept the following risks associated with electing to mint, redeem, hold, or transfer any CCS:

13.2.1 CCS is not legal tender and is not backed by any government. CCS is not subject to protections or insurance provided by the Federal Deposit Insurance Corporation (FDIC) or the Securities Investor Protection Corporation (SIPC).

Charges & Financial Obligations · Restriction or exception

CCS holders accept value, price, liquidity, third-party and regulatory risks; Coinbase may pause redemptions

You accept that Coinbase does not guarantee the value of the Reserve Asset held for CCS holders and is not responsible for changes in it. A CCS's external price could diverge from the Reserve Asset because of market fluctuations or CCS Partner-specific risks, and in a significant price dislocation Coinbase may pause redemptions. Coinbase does not guarantee a successful exchange or sale and will not backstop liquidity, does not guarantee the security or function of compatible third-party technology, does not control the underlying protocols (so Section 2.6 applies), and regulation could limit its services for a CCS.

Supporting quotations

13.2.2. Coinbase does not guarantee the value of a Reserve Asset held on behalf of holders of a corresponding CCS.

13.2.3. Coinbase is not responsible for any change in the value of a Reserve Asset held on behalf of holders of a corresponding CCS.

13.2.4. The external price of a CCS could diverge from the price of a corresponding Reserve Asset because of market fluctuations or CCS Partner-specific risks. In case of a significant price dislocation, Coinbase may exercise its right to pause redemptions in accordance with Section 12.3.2 of this Appendix 4.

13.2.5. Coinbase does not guarantee that obtaining a CCS will result in a successful exchange or sale of such CCS, and Coinbase will not have any obligation to backstop or otherwise intervene to guarantee liquidity of such CCS.

13.2.6. Coinbase does not guarantee the security or functionality of any protocol, software, or technology intended to be compatible with a CCS and is not responsible for any losses due to the failure of any such protocol, software or technology.

13.2.7. As with protocols for other Digital Assets, Coinbase does not own or control the underlying protocols which govern the operation of any CCS. Accordingly, all CCS are subject to Section 2.6 of the User Agreement, like other Digital Assets.

13.2.8. As with other Digital Assets, a CCS could be impacted by one or more regulatory actions, which could impede or limit the services we can provide with respect to such CCS.

Charges & Financial Obligations · Restriction or exception

Coinbase does not back the partner or any utility, and may end a partner arrangement or delist a CCS

Coinbase does not guarantee the reputation, solvency or business continuity of the CCS Partner, and the value and utility of a CCS may be affected by the partner's actions, omissions or public perception. It is not responsible for decreases in value or utility. It does not guarantee a CCS will be accepted for any goods, services or ecosystem benefits. Coinbase may terminate or suspend its arrangement with a CCS Partner or delist a CCS at any time, and in that event may give you a period to convert it to the Reserve Asset or another Supported Digital Asset, as Coinbase decides.

Supporting quotations

13.2.9. Coinbase does not guarantee the reputation, solvency or business continuity of the CCS Partner associated with a CCS. You acknowledge and agree that the value and utility of a CCS may be influenced by the actions, omissions, or public perception of the CCS Partner. Coinbase is not responsible for any decrease in the value or utility of a CCS.

13.2.10. Coinbase does not guarantee that a CCS will be accepted, recognized, or utilized for any specific goods, services, or ecosystem benefits. Coinbase is not responsible for any change in the utility associated with a CCS.

13.2.11. Coinbase reserves the right to terminate or suspend its arrangement with a CCS Partner or delist a CCS at any time. In such an event, Coinbase may provide you with a period of time to convert your CCS into the underlying Reserve Asset or another Supported Digital Asset, as determined by Coinbase.

Qualifications & exceptions

• Offering a conversion period is optional ('may provide'), and Coinbase decides what asset you receive.

Charges & Financial Obligations · Procedure

Redeeming CCS requires good standing; it converts 1:1 to the Reserve Asset minus fees, and may not be immediate

To redeem a CCS you need a Coinbase account in good standing. Geographic restrictions may apply and eligibility may change. A redemption results in Coinbase converting the CCS and depositing the corresponding Reserve Asset in your wallet on a 1:1 basis, minus any Coinbase fees, and requests may not be processed immediately.

Supporting quotations

13.3. Redemption of a CCS

13.3.1. To successfully redeem CCS, you will need to be a Coinbase customer with a Coinbase Account in good standing. Additional geographic restrictions may apply, and eligibility is subject to change. Requests to redeem CCS (which, for the avoidance of doubt, will result in Coinbase converting such CCS and depositing the corresponding Reserve Asset to your Digital Asset Wallet on a 1:1 basis, minus any Coinbase fees) may not be processed immediately.

Qualifications & exceptions

• Redemption is 1:1 'minus any Coinbase fees', not necessarily fee-free.

Not stated here

• Fee amounts are not stated.

Charges & Financial Obligations · Restriction or exception

Changes go through your payer and take 1-2 payroll cycles; Coinbase may end Direct Deposit for any reason

You can change or stop direct deposit at any time by submitting changes through your payroll provider or payer. Changes take effect only when processed by your payer and received by Coinbase's Payment Partner, typically one to two payroll cycles, and Coinbase does not control payer timelines and is not responsible for delays or missed deposits from changes made with your payer. Coinbase reserves the right to terminate your Direct Deposit access, including early access to funds, for any reason.

Supporting quotations

Modifications and Cancellation. You may make changes to your direct deposit amount or discontinue participating Direct Deposit at any time by submitting changes through your payroll provider or payer. Changes become effective only when processed by your payer and received by our Payment Partner, and typically take one to two payroll cycles to take effect. Coinbase does not control your payer’s processing timelines and is not responsible for delays or missed deposits resulting from changes made with your payer.

Termination. We reserve the right to terminate your access to Direct Deposit, including the ability to access Direct Deposit funds early, for any reason.

Sharing & Disclosure · Permission or license

Coinbase may share your information with service providers and Payment Partners for Direct Deposit

You agree Coinbase may share personal information you provided under its Privacy Policy with service providers and Payment Partners to verify identity and address, process deposits, manage risk and comply with law.

Supporting quotations

Personal Information. You agree that we may share personal information you provided to us under our Privacy Policy with service providers and Payment Partners to verify identity and address, process deposits, manage risk, and comply with law.

Not stated here

• The Privacy Policy was not supplied.

Legal Rights & Agreement Rules · Restriction or exception

Tax refunds and federal payments must match your account name and SSN; first joint filer must be the holder

For tax refunds and other federal payments you represent and warrant that the name and Social Security Number tied to each payment match those tied to your Coinbase Account. For joint tax returns, the first-listed filer must be the Coinbase Account holder.

Supporting quotations

Representations and Warranties. For tax refunds and other federal payments, you represent and warrant that the name and Social Security Number associated with each payment will match the name and Social Security Number associated with your Coinbase Account. For joint tax returns, the first‑listed filer must be the Coinbase Account holder.

Charges & Financial Obligations · Permission or license

Coinbase may pause or refuse CCS redemptions on price dislocation, fraud or compromise, or partner exit

In its reasonable discretion Coinbase may pause CCS redemptions if a significant price dislocation versus the Reserve Asset suggests, in its sole discretion, that supporting smart contracts or security features are compromised; refuse a redemption it suspects involves a CCS acquired through fraud; pause redemption if it suspects the minting and burning contracts are compromised; or refuse redemption if the CCS Partner arrangement has been terminated or suspended or the CCS delisted.

Supporting quotations

13.3.2. Additionally, Coinbase may, in our reasonable discretion, (i) pause redemptions of any CCS for a corresponding Reserve Asset if there is a significant dislocation in the external market price of such CCS relative to a corresponding Reserve Asset that, in Coinbase’s sole discretion, suggests that the smart contracts or other technology or security features supporting such CCS have been compromised, (ii) refuse a redemption request if we suspect that the CCS being presented for redemption was acquired through fraudulent means, (iii) pause redemption if we otherwise suspect that the security of the smart contracts used to mint and burn the applicable CCS has been compromised, or (iv) refuse a redemption request if the arrangement with the CCS Partner has been terminated or suspended, or the CCS has been delisted.

Qualifications & exceptions

• The fourth ground, partner termination or delisting, means holders may be unable to redeem after such an event.

Charges & Financial Obligations · Restriction or exception

If the Reserve Asset falls short, Coinbase owes each CCS holder only a pro rata share of the shortfall

A CCS holder has an ownership interest in a corresponding Reserve Asset custodied by Coinbase. If the Reserve Asset held by Coinbase falls short, Coinbase's liability to any holder is limited to that holder's pro rata share of the shortfall. The clause cites Section 12.1.3 for custody, while the custody provision is numbered 13.1.3 in the source.

Supporting quotations

13.3.3. Pursuant to the terms of this Agreement, a holder of a CCS holds an ownership interest in a corresponding Reserve Asset custodied by Coinbase in accordance with Section 12.1.3 above. In the event of a shortfall in the amount of the Reserve Asset held by Coinbase, Coinbase’s liability vis-a-vis any holder of such CCS will be limited to such holder’s pro rata share of the shortfall amount.

Qualifications & exceptions

• Liability is limited to a pro rata share of any shortfall.

Not stated here

• The cross-reference to Section 12.1.3 does not match the stablecoin section's numbering (13.x).

Charges & Financial Obligations · Restriction or exception

Coinbase may charge mint and redeem fees; third-party wrapped CCS may be treated as unsupported and not redeemed

Coinbase may charge a fee for a request to mint or redeem a CCS, disclosed when you start the request, with changes made under Section 3.3. It may treat any version of a CCS created by a third party, for example via a third-party wrapper or bridge to an unsupported network, as an unsupported Digital Asset under Section 2.3. It may refuse or be unable to redeem such a token sent to your wallet, which may cause irreversible loss, so you should not send it.

Supporting quotations

13.4.1. Coinbase may charge a fee in connection with a request to mint or redeem a CCS, and any such fee will be disclosed to you at the time you initiate such request. Any changes to such fees will be effectuated in accordance with Section 3.3 of the User Agreement.

13.4.2. We reserve the right to treat any version of a CCS that has been created by a third party (e.g., via a third party wrapper or bridge to an unsupported network) (“Third Party Wrapped CCS”) as an unsupported Digital Asset in accordance with Section 2.3 of the User Agreement. This means that we may refuse or be unable to redeem any Third Party Wrapped CCS that is sent to your Digital Asset Wallet for the corresponding Reserve Asset, which may result in irreversible loss of such Third Party Wrapped CCS. Do not send Third Party Wrapped CCS to your Digital Asset Wallet.

Not stated here

• Fee amounts are not stated.

Charges & Financial Obligations · Permission or license

Coinbase may upgrade CCS contracts and require migration, and may suspend CCS operations without notice during forks

Coinbase may upgrade the CCS smart contracts at any time and may require you to migrate your CCS to a new contract address, taking technical steps it considers necessary for CCS in your wallet. Underlying protocols may change operating rules suddenly, including forks. In a fork Coinbase may temporarily suspend CCS operations such as minting, redeeming and transferring without notice, and decides in its sole discretion which protocol version to support, if any.

Supporting quotations

13.4.3. Coinbase reserves the right to upgrade the CCS smart contracts at any time. In such event, we may require you to migrate your CCS to a new smart contract address. Coinbase may take any technical steps necessary or appropriate to effectuate such upgrades for CCS held in your Digital Asset Wallet.

13.4.4. You understand and agree that the underlying software protocols may be subject to sudden changes in operating rules (including “forks”). In the event of a fork, Coinbase may temporarily suspend CCS operations (including minting, redeeming, and transferring) without notice. Coinbase will determine in its sole discretion which version of the underlying protocol to support, if any.

Charges & Financial Obligations · Restriction or exception

Coinbase may freeze CCS at an address as required by law, possibly leaving you unable to transfer or redeem

Coinbase may freeze the CCS held in a wallet address as required by law or any court or other authority to which it is subject in any jurisdiction. If CCS in your address is frozen, you may be permanently unable to transfer or redeem any CCS associated with that address. The freeze clause is cited as Section 12.4.5, while it appears as 13.4.5.

Supporting quotations

13.4.5. Coinbase may freeze the CCS held in a Digital Asset wallet address as required by law or any court or other authority to which Coinbase is subject in any jurisdiction.

13.4.6. If the CCS in your Digital Asset wallet address is frozen in accordance with Section 12.4.5 of this Appendix 4, you may be permanently unable to transfer or redeem any CCS associated with such address.

Qualifications & exceptions

• The freeze is stated as 'as required by law or any court or other authority'.

Not stated here

• The reference to Section 12.4.5 does not match the source numbering (13.4.5).

Legal Rights & Agreement Rules · Context

"Disputes" is defined broadly to cover anything relating to your relationship with Coinbase

Appendix 5 defines Disputes as any dispute, claim or disagreement arising out of or relating in any way to your relationship with Coinbase, the Services, the site, any communications you receive, any products or services sold through the site, or the User Agreement, and says the term is intended to be read broadly. It then describes which Disputes belong in arbitration, small claims court or a court of general jurisdiction.

Supporting quotations

Disputes Defined. “Disputes” are defined as any dispute, claim, or disagreement arising out of or relating in any way to our relationship with you, the Services, the Coinbase Site, any Communications you receive, any products or services sold or distributed through the Coinbase Site, or the User Agreement. The term “Disputes” is intended to be interpreted broadly. The provisions below describe which Disputes belong in arbitration, small claims court, or a court of general jurisdiction.

Legal Rights & Agreement Rules · Restriction or exception

Exhaust the Formal Complaint Process, cited as Section 7.1, before filing arbitration or small claims

Before an arbitration demand or small claims action is filed, you and Coinbase agree to exhaust the Formal Complaint Process. The Appendix points to Section 7.1, while the Formal Complaint Process itself is set out in Section 7.2 and its subsections.

Supporting quotations

Pre-Filing Formal Complaint Requirement. Before an arbitration demand or small claims action is filed, you and we agree to exhaust the Formal Complaint Process. See Section 7.1, above.

Not stated here

• The cross-reference to Section 7.1 names the contact section, while the Formal Complaint Process appears in Section 7.2.

Cross-references

• related (model-proposed): Try Support, then the Formal Complaint Process, before arbitration or small claims, or the claim is dismissed — references: Appendix 5 requires exhausting the Formal Complaint Process before filing and points to Section 7.1, while the process itself is described in Section 7.2 and 7.2.1.

Legal Rights & Agreement Rules · Restriction or exception

You and Coinbase agree to binding arbitration of all Disputes except the listed types

You and Coinbase agree to arbitrate all Disputes in binding arbitration except the types of Disputes listed next: arbitrability disputes, small claims court matters and small claims jurisdiction disagreements, intellectual property disputes, and securities law violation disputes.

Supporting quotations

Arbitration Agreement. You and we agree to arbitrate all Disputes in binding arbitration except for the following types of Disputes:

Qualifications & exceptions

• Carve-outs listed in the following blocks: arbitrability, small claims, small claims jurisdiction, IP and securities law Disputes.

Legal Rights & Agreement Rules · Restriction or exception

Disputes about whether a Dispute is arbitrable, or about the arbitration terms' validity, go to court, not arbitration

Disputes arising from the interpretation or application of the Arbitration Agreement, including its enforceability, revocability, scope or validity or that of the Dispute Resolution section, are resolved in a court of competent jurisdiction, not arbitration. This includes disputes about whether the Batch Arbitration provision applies. Section 9.10 separately selects the state and federal courts in New York for such actions.

Supporting quotations

Disputes about whether the Dispute is arbitrable. You and we agree that any Disputes arising out of or related to the interpretation or application of the Arbitration Agreement, including Disputes about the enforceability, revocability, scope, or validity of the Dispute Resolution section or any portion of the Dispute Resolution section (including the Arbitration Agreement) shall be resolved in a court of competent jurisdiction, not arbitration. This includes, but is not limited to, any dispute about whether the Batch Arbitration provision applies to the Dispute.

will have exclusive jurisdiction over any Dispute that is not subject to arbitration or over any action involving the applicability or enforceability of the Dispute Resolution section 7 or any portion of the Dispute Resolution section (including the Arbitration Agreement, Appendix 5).

Unless you and Coinbase agree otherwise, to the maximum extent permitted by applicable law

Qualifications & exceptions

• Section 9.10 forum selection (New York courts) applies unless the parties agree otherwise and to the maximum extent permitted by law.

Legal Rights & Agreement Rules · Restriction or exception

Disputes that fit small claims court in your home county must go there; that court decides jurisdiction first

If a Dispute could be brought in a small claims court in the county or parish where you live, it must be brought there, not in arbitration, provided it stays in that court and is not removed or appealed to a court of general jurisdiction. Any disagreement about whether a Dispute falls within small claims jurisdiction is decided by the small claims court first, and may otherwise be resolved in a court of competent jurisdiction only after small claims resolution has been exhausted.

Supporting quotations

Disputes that are within the jurisdiction of a small claims court. You and we agree that if a Dispute could be brought in a small claims court in the county or parish in which you reside, then it must be brought in that small claims court, not arbitration, provided that it remains in that court and is not removed or appealed to a court of general jurisdiction.

Disagreements about whether a Dispute is within the jurisdiction of a small claims court. You and we agree that any disagreement about whether a Dispute is within the jurisdiction of a small claims court will be resolved by the small claims court in the first instance. Disagreements about whether a Dispute is within the jurisdiction of a small claims court may otherwise be resolved in a court of competent jurisdiction, but only after you or we have exhausted resolution from the small claims court.

Qualifications & exceptions

• The small claims route holds only while the case stays in that court and is not removed or appealed to a court of general jurisdiction.
• Section 9.10 refers to a small claims court of competent jurisdiction without specifying the county or parish of residence.

Cross-references

• qualifies (model-proposed): Non-arbitrable disputes and challenges to the arbitration terms go to New York courts; small claims excepted — qualifies: Section 9.10 sends small claims to a small claims court of competent jurisdiction, while Appendix 5 says a Dispute that could be brought in small claims court in the county or parish where you reside must be brought there.

Legal Rights & Agreement Rules · Restriction or exception

IP disputes go outside arbitration; arbitrable claims in the same case still go to arbitration

Disputes about infringement or misuse of intellectual property rights, such as trademarks, trade dress, domain names, trade secrets, copyrights and patents, must be resolved outside arbitration, for example in a court of competent jurisdiction. If a Dispute mixes an IP cause of action with arbitrable ones, the arbitrable claims go to arbitration and the IP claim proceeds outside it. IP Disputes will not be stayed solely because arbitration of the arbitrable claims is pending. Section 9.10 selects New York courts for Disputes not subject to arbitration.

Supporting quotations

Disputes about or related to infringement or misuse of intellectual property (“IP”) rights (e.g., trademarks, trade dress, domain names, trade secrets, copyrights, and patents).

You and we agree that you or Coinbase must resolve IP Disputes outside of arbitration (e.g., in a court of competent jurisdiction).

if you have a Dispute that contains an IP cause of action, which is not arbitrable under this agreement, and other causes of action that are arbitrable, then the arbitrable causes of action must proceed in arbitration and the IP cause of action must proceed outside of arbitration consistent with the other terms of the User Agreement.

You and we agree that all IP Disputes shall not be stayed solely on the grounds that there exists a pending arbitration of arbitrable causes of action.

will have exclusive jurisdiction over any Dispute that is not subject to arbitration

Qualifications & exceptions

• Mixed Disputes are split: arbitrable claims to arbitration, IP claims outside it.
• Section 9.10 names New York courts for non-arbitrable Disputes, unless the parties agree otherwise.

Legal Rights & Agreement Rules · Restriction or exception

Securities law violation disputes are resolved in court, while arbitrable claims in the same case go to arbitration

Disputes about whether you or Coinbase violated state or federal securities laws are resolved by a court of competent jurisdiction. If a Dispute mixes securities claims with arbitrable ones, the arbitrable claims proceed in arbitration and the securities claims proceed in court.

Supporting quotations

Disputes about whether you or we have violated state or federal securities laws. In the event that there is a Dispute about whether you or we have violated state or federal securities laws, you and we agree that such Disputes shall be resolved by a court of competent jurisdiction. This means, for example, if you have a Dispute that contains causes of action under the state or federal securities laws and other causes of action that are arbitrable, then the arbitrable causes of action must proceed in arbitration and the state or federal securities laws causes of action must proceed in a court of competent jurisdiction.

Legal Rights & Agreement Rules · Procedure

AAA administers arbitration under consumer rules, JAMS for batches or if AAA cannot; Federal Arbitration Act governs

Arbitration is administered by the American Arbitration Association under its Consumer Arbitration Rules, modified by the Arbitration Agreement. If the AAA is unable or unwilling, or the Dispute is part of a Batch Arbitration, JAMS administers it under its rules including Mass Arbitration Procedures. If neither can, either side may petition a court to appoint an administrator. The Federal Arbitration Act and federal arbitration law, not state arbitration law, govern enforcement because the User Agreement involves interstate commerce. Limitations periods apply as in court, an award has no preclusive effect in other proceedings involving other users, and the parties agree to cooperate for efficiency. The arbitrator may award sanctions consistent with Federal Rule of Civil Procedure 11.

Supporting quotations

You and we agree that arbitration under this Arbitration Agreement will, depending on the circumstance, be administered by the American Arbitration Association (“AAA”) subject to the AAA’s Consumer Arbitration Rules then in effect, except as modified by this Arbitration Agreement.

If the AAA is unable or unwilling to administer the arbitration consistent with the Arbitration Agreement, or if the Dispute is part of a Batch Arbitration, you and we agree that JAMS will administer the arbitration subject to the JAMS Rules and Procedures then in effect, including any Mass Arbitration Procedures and Guidelines applicable to the Dispute, except as modified by this Arbitration Agreement.

then you or we may petition a court of competent jurisdiction to appoint an administrator that will do so.

the Federal Arbitration Act, 9 U.S.C. § 1 et seq. and federal arbitration law (not state arbitration law) will govern any proceedings regarding enforcement of this Arbitration Agreement.

Any applicable limitations periods (including statutes of limitations) shall apply in arbitration like in court.

an arbitral award shall have no preclusive effect in any other proceeding involving other Users

The arbitrator shall have the authority to award sanctions against parties and their counsel consistent with the standard set forth in Federal Rule of Civil Procedure 11.

Legal Rights & Agreement Rules · Restriction or exception

Arbitrable and non-arbitrable disputes are separated; a failed Batch Arbitration clause sends the dispute to court

Arbitrable Disputes are severed from non-arbitrable ones, and if any part of the Arbitration Agreement is unenforceable, that part is severed and the rest continues. If the Batch Arbitration provision would apply but a court finally decides it is unenforceable as to the Dispute or part of it, or JAMS or a JAMS arbitrator refuses to apply it as written, the affected Dispute or portion cannot proceed in arbitration and may go to a court of competent jurisdiction unless the parties agree otherwise in writing.

Supporting quotations

You and we agree to sever arbitrable Disputes (which shall be resolved in arbitration) from Disputes that are not arbitrable (which shall be resolved in court); you and we also agree that if any provision of this Arbitration Agreement is found unenforceable, then that portion of the Arbitration Agreement shall be severed and the remainder of the Arbitration Agreement shall continue to control.

Notwithstanding the foregoing, if the “Batch Arbitration” provision would otherwise apply to the Dispute, but a court of competent jurisdiction determines that the “Batch Arbitration” provision is unenforceable as to the Dispute or a portion of the Dispute (and all appeals have been exhausted or the ruling is otherwise final) or JAMS or a JAMS arbitrator refuses to apply all of the provisions of the Batch Arbitration provision as written, then the affected Dispute or portion of the Dispute cannot proceed in arbitration and may proceed in a court of competent jurisdiction consistent with the other terms of the User Agreement unless the parties agree otherwise in writing.

Qualifications & exceptions

• The court-finality requirement applies to the Batch Arbitration unenforceability route (all appeals exhausted or ruling otherwise final).

Legal Rights & Agreement Rules · Restriction or exception

Information exchanged in an arbitration may be used only for that arbitration and must be kept confidential

Information exchanged in an arbitration may be used solely for that arbitration, and neither side may use information from one arbitration in another. Both agree to keep information exchanged in arbitration confidential among themselves, their attorneys and the arbitrator. If other people need access, the parties will negotiate in good faith for a protective order with similar confidentiality obligations.

Supporting quotations

Confidentiality. You and we agree that any information exchanged between us in an arbitration may be used solely for that arbitration. You and we agree that we may not, for example, use information you or we obtained from the other party in one arbitration proceeding in another arbitration proceeding. You and we also agree to keep any information exchanged between us in any arbitration proceeding confidential between us, you, your and our attorneys, and the arbitrator. To the extent additional persons require access to information exchanged for purposes of the arbitration, you and we agree to negotiate in good faith for the entry of a protective order that will impose similar confidentiality obligations.

Legal Rights & Agreement Rules · Company commitment

The parties cooperate in batches; separate awards per user; the clause does not authorize class or mass arbitration

You and Coinbase, with counsel, agree to cooperate in good faith with JAMS to implement the Batch Arbitration process, including paying a single filing and administrative fee for each batch, and to streamline procedures, adjust the number of arbitrations per batch and seek resolution. Batch arbitrations may run concurrently where administratively feasible. Arbitrators issue separate awards for each Coinbase user in a batched proceeding. The provision does not authorize any class, collective or mass arbitration or action, or joint or consolidated claims, except as expressly set out in it.

Supporting quotations

You and Coinbase (and your and our counsel, if represented) agree to cooperate in good faith with JAMS to implement the Batch Arbitration process including the payment of single filing and administrative fees for each Batch, as well as any steps to minimize the burdens and costs of arbitration. You and Coinbase (and your and our counsel, if represented) agree to work together in good faith throughout the Batch Arbitration process to streamline procedures, modify the number of arbitrations to proceed per batch as appropriate, increase efficiencies, and seek to resolve Disputes.

You and we agree that arbitrations administered pursuant to this Batch Arbitration provision may be administered concurrently to the extent administratively feasible.

Arbitrators appointed pursuant to this Batch Arbitration provision shall issue separate awards for each Coinbase User involved in a batched proceeding.

This Batch Arbitration provision shall in no way be interpreted as authorizing a class, collective and/or mass arbitration or action of any kind, or arbitration involving joint or consolidated claims under any circumstances, except as expressly set forth in this provision.

Qualifications & exceptions

• Consolidation is allowed only as the Batch Arbitration provision expressly provides.

Legal Rights & Agreement Rules · Procedure

Arbitrators are chosen from the AAA or JAMS roster by a strike and rank process

Any arbitrator is selected by the parties from the AAA or JAMS roster. At JAMS the arbitrator is appointed by the strike and rank process in JAMS Rule 15 of the Comprehensive Arbitration Rules and Procedures, and at AAA by a strike and rank process consistent with that approach.

Supporting quotations

Arbitrator Appointment. Any arbitrator appointed under the Arbitration Agreement will be selected by the parties from the AAA or JAMS’s roster of arbitrators. If the matter is proceeding before JAMS, then you and we agree that the arbitrator shall be appointed in accordance with JAMS’s strike and rank process set forth in Rule 15 of the Comprehensive Arbitration Rules & Procedures. If the matter is proceeding before AAA, you and we agree that the arbitrator will be appointed through a strike and rank process consistent with the approach taken by JAMS in Rule 15 of the Comprehensive Arbitration Rules & Procedures.

Legal Rights & Agreement Rules · Restriction or exception

Each side bears its own arbitration costs unless claims are frivolous; compelling arbitration shifts costs

In arbitration each party bears its own attorneys' fees and costs unless the arbitrator finds the Dispute's substance or the relief sought was frivolous or brought for an improper purpose, measured by Federal Rule of Civil Procedure 11(b). If you or Coinbase need a court to compel arbitration, the party that obtains the order can collect reasonable costs, disbursements and attorneys' fees from the other. The prevailing party in any court action about whether a condition precedent to arbitration, including the Formal Complaint Process, was satisfied can recover reasonable costs, disbursements and fees.

Supporting quotations

The parties shall bear their own attorneys’ fees and costs in arbitration unless the arbitrator finds that either the substance of the Dispute or the relief sought in the Dispute was frivolous or was brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)).

If you or Coinbase need to invoke the authority of a court of competent jurisdiction to compel arbitration, then the party that obtains an order compelling arbitration in such action shall have the right to collect from the other party its reasonable costs, necessary disbursements, and reasonable attorneys' fees incurred in securing an order compelling arbitration.

The prevailing party in any court action relating to whether either party has satisfied any condition precedent to arbitration, including the Formal Complaint Process, is entitled to recover their reasonable costs, necessary disbursements, and reasonable attorneys’ fees and costs.

Qualifications & exceptions

• Fee-shifting applies to frivolous or improper claims, to a successful motion to compel arbitration, and to the prevailing party in a condition-precedent dispute.

Legal Rights & Agreement Rules · Restriction or exception

Claims must be individual: no class, representative or mass actions; injunctive relief limited to the claimant

Except as the Batch Arbitration provision allows, each side may bring claims only individually and waives all rights to have any Dispute brought, heard, resolved or arbitrated on a class, collective, representative or mass action basis, such as a mass arbitration. Only individual relief is available and disputes of more than one customer cannot be arbitrated, litigated or consolidated with others'. The arbitrator may award declaratory or injunctive relief only to the individual claimant and only as needed for that claim. If a court finally decides the limits are invalid or unenforceable for a particular claim or request, such as public injunctive relief, only that claim is severed from arbitration and may be litigated in court. This does not prevent participating in a class-wide settlement.

Supporting quotations

YOU AND COINBASE AGREE THAT, EXCEPT AS SPECIFIED IN THE BATCH ARBITRATION PROVISION SET FORTH BELOW, EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS, AND THE PARTIES HEREBY WAIVE ALL RIGHTS TO HAVE ANY DISPUTE BE BROUGHT, HEARD, ADMINISTERED, RESOLVED, LITIGATED, OR ARBITRATED ON A CLASS, COLLECTIVE, REPRESENTATIVE, OR MASS ACTION (SUCH AS A MASS ARBITRATION) BASIS. ONLY INDIVIDUAL RELIEF IS AVAILABLE, AND DISPUTES OF MORE THAN ONE CUSTOMER OR USER CANNOT BE ARBITRATED, LITIGATED, OR CONSOLIDATED WITH THOSE OF ANY OTHER CUSTOMER OR USER.

Subject to this Arbitration Agreement, the arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by the party's individual claim.

if a court decides by means of a final decision, not subject to any further appeal or recourse, that the limitations of this provision entitled “Waiver of Class and Other Non-Individualized Relief,” are invalid or unenforceable as to a particular claim or request for relief (such as a request for public injunctive relief), you and Coinbase agree that that particular claim or request for relief (and only that particular claim or request for relief) shall be severed from the arbitration and may be litigated in a court of competent jurisdiction consistent with the other terms of the User Agreement.

This provision does not prevent you or Coinbase from participating in a class-wide settlement of claims.

Qualifications & exceptions

• The Batch Arbitration provision is the stated exception.
• A particular invalid-as-applied claim (for example, public injunctive relief) is severed to court only after a final decision.

Legal Rights & Agreement Rules · Restriction or exception

Batch Arbitration applies when 25 or more similar demands are filed with the same law firm or organization

The Batch Arbitration provision applies when (a) there are 25 or more individual arbitration demands of substantially similar nature, filed by Coinbase against you and other customers or by you and others against Coinbase, and (b) they are filed with the assistance of the same law firm, group of law firms or organizations. Demands are not substantially similar if they seek relief for alleged losses of assets from different facts and circumstances. Demands that trigger it can be administered only under this provision, subject to the Severability clause.

Supporting quotations

You and we agree to abide by this Batch Arbitration provision in the event that: (a) there are twenty-five (25) or more individual arbitration demands of substantially similar nature filed by us against you and other customers or by you and others against us and (b) such arbitration demands are filed with the assistance of the same law firm, group of law firms, or organizations.

You and we agree that arbitration demands will not be deemed “substantially similar” if they involve claims seeking relief in connection with alleged losses of assets arising from different facts and circumstances.

Arbitration demands that trigger the application of this Batch Arbitration provision can be administered in arbitration only pursuant to the provisions of this Batch Arbitration Provision. See Severability, above.

Qualifications & exceptions

• Both conditions must be met: 25 or more similar demands and the same law firm, firms or organizations.

Legal Rights & Agreement Rules · Procedure

When triggered, JAMS runs batches with one arbitrator, one fee set and one hearing each; you must appear personally

If triggered, JAMS administers the demands in batches, appoints a single, different arbitrator for each batch unless the parties agree otherwise, and resolves each batch as one consolidated arbitration with one set of filing and administrative fees per side per batch, one procedural calendar and one in-person or video hearing, if any, in a format the arbitrator decides. If your Dispute is in this process, you will personally appear at any hearing, with counsel if represented. With more than 25 but fewer than 2,000 demands there will be 20 batches; with 2,000 or more, batches of 100. JAMS makes batches as equal as possible in cumulative amount demanded and number of demands.

Supporting quotations

If this Batch Arbitration provision is triggered, then JAMS shall:

a. administer the arbitration demands in batches;

b. appoint a single, different arbitrator for each batch unless the parties agree otherwise; and

c. provide for the resolution of each batch as a single consolidated arbitration with one set of filing and administrative fees due per side per batch, one procedural calendar, one in-person or video hearing (if any) in a format to be determined by the arbitrator that shall be convenient for the parties. You and we agree that if the Dispute is subject to this Batch Arbitration process, you will personally appear at any hearing (with counsel, if you are represented).

The number of batches will depend on the number of arbitration demands that were filed. The batching methodology is set forth below:

a. If there are more than 25 but fewer than 2,000 arbitrations, then there will be 20 batches.

b. If there are 2,000 or more arbitrations, then they will be batched into batches of 100 arbitrations per batch.

c. In deciding which arbitration demands will go in which batch, JAMS shall make the batches as equal as possible in terms of cumulative amount demanded and number of arbitration demands.

Qualifications & exceptions

• The batch count depends on the number of demands: 20 batches for more than 25 but fewer than 2,000; batches of 100 for 2,000 or more.

Charges & Financial Obligations · Company commitment

Insufficient funds is a ground too; notice and reasons given unless unlawful; restrictions lifted when causes end

A further ground for restricting Card use is insufficient USD or Supported Digital Assets to cover the Total Transaction Price. If Card Transactions, Card use or any Coinbase Services are restricted, suspended or terminated this way, Coinbase will, unless unlawful, give notice and reasons where appropriate, with the procedure for correcting factual errors that led to the action. Where it declines a transaction or restricts, suspends or terminates, it will reinstate the transaction or lift the restriction as soon as reasonably practicable once the reasons end.

Supporting quotations

1.18.7. You have insufficient USD in your USD Wallet or Supported Digital Assets in your Digital Asset Wallet to cover the Total Transaction Price of a relevant Card Transaction.

we will (unless it would be unlawful for us to do so), provide you with notice of our actions and the reasons for refusal, restriction, suspension, or termination where appropriate, with the procedure for correcting any factual errors that led to the refusal, suspension or termination.

we will reinstate the Card Transaction and/or lift the restriction, suspension, or termination as soon as reasonably practicable once the reasons for decline and/or restriction, suspension, or termination cease to exist.

Qualifications & exceptions

• Notice is promised 'where appropriate' and not if unlawful.
• Reinstatement is as soon as reasonably practicable once the reasons cease.

Legal Rights & Agreement Rules · Restriction or exception

If the User Agreement and the Cardholder Agreement conflict, the Cardholder Agreement prevails

If there is a conflict between the User Agreement, including the Coinbase Card Terms, and the Cardholder Agreement, the Cardholder Agreement prevails.

Supporting quotations

1.19. These Coinbase Card Terms and the Cardholder Agreement. In the event of a conflict between this User Agreement, including these Coinbase Card Terms and the Cardholder Agreement, the provisions of the Cardholder Agreement shall prevail.

Not stated here

• The Cardholder Agreement was not supplied, so possible conflicts cannot be identified.

Charges & Financial Obligations · Restriction or exception

No liability for merchant refusals, Pathward decisions or its own restrictions; faulty Cards get replacement help

In addition to other limits in the User Agreement, Coinbase is not liable for loss from a merchant refusing the Card; a breach caused by abnormal or unforeseen circumstances beyond its reasonable control that were unavoidable despite its efforts; Pathward restricting, suspending or terminating a Card or refusing to issue or replace one under the Card Terms; Pathward declining a transaction; Coinbase restricting, suspending or terminating your wallets or related Services; or Coinbase's compliance with laws and regulations. It is not liable for goods or services bought with the Card. If a Card is faulty, its liability is limited to helping replace it.

Supporting quotations

1.20. Coinbase Liability. This section operates in addition to any limitation of liability expressed elsewhere in this User Agreement.

1.20.1. Coinbase will not be liable to you for any loss arising from:

1.20.1.1. A merchant refusing to accept a Card;

1.20.1.2. Any breach by Coinbase of the User Agreement due to abnormal or unforeseen circumstances beyond Coinbase’s reasonable control, which would have been unavoidable despite Coinbase’s efforts to stop it;

1.20.1.3. Pathward restricting, suspending, or terminating a Card or refusing to issue or replace a Card in accordance with these Coinbase Card Terms;

1.20.1.4. Pathward declining a Card Transaction that you make or attempt to make using a Card;

1.20.1.5. Coinbase restricting, suspending, or terminating your USD Wallet, Digital Asset Wallet, or any related Coinbase Services; or

1.20.1.6. Coinbase’s compliance with any applicable laws and regulations.

1.20.2. Coinbase will not be liable for the goods or services that you purchase from a merchant using a Card.

1.20.3. Where a Card is faulty, Coinbase’s liability shall be limited to assisting with the replacement of the Card.

Qualifications & exceptions

• Operates in addition to the general limitation of liability in Section 8.2.

Charges & Financial Obligations · Restriction or exception

USDC is not legal tender; Coinbase may use it only for Secured USDC; your USDC Wallet is not a deposit account

In capital letters, USDC Rewards says USDC is not legal tender or currency, is a Supported Digital Asset, and Coinbase has no right to use any USDC in your account except in connection with Secured USDC. Coinbase is not a depository institution and your USDC Wallet is not a deposit account.

Supporting quotations

USDC IS NOT LEGAL TENDER OR CURRENCY. USDC IS A SUPPORTED DIGITAL ASSET AND COINBASE HAS NO RIGHT TO USE ANY USDC IN YOUR COINBASE ACCOUNT EXCEPT IN CONNECTION WITH SECURED USDC, AS DESCRIBED UNDER THIS AGREEMENT. COINBASE IS NOT A DEPOSITORY INSTITUTION, AND YOUR USDC WALLET IS NOT A DEPOSIT ACCOUNT.

Qualifications & exceptions

• The Secured USDC exception ties to the Coinbase One Card terms.

Charges & Financial Obligations · User right or choice

Eligible users earn USDC Rewards while holding $1 of USDC; opting out or closing forfeits undistributed rewards

If you are eligible, you earn rewards for holding USDC in your account, including Secured USDC, so long as you hold at least $1 of USDC. If your balance drops below $1 or you are deemed ineligible, enrollment pauses and you keep rewards accrued but not yet distributed, to be distributed as described under Calculation. You can opt out or back in at any time. If you opt out or close your account, you forfeit rewards accrued and not yet distributed for the current calendar month.

Supporting quotations

If you are [eligible](https://help.coinbase.com/en/coinbase/getting-started/crypto-education/usd-coin-rewards-faq), you can earn rewards for holding USDC in your Coinbase Account, including any Secured USDC.

So long as you hold at least $1 of USDC in your Coinbase Account, you will automatically earn amounts of USDC

If at any time you do not hold at least $1 of USDC in your Coinbase Account, your enrollment in USDC Rewards will be paused until such time that you do hold at least $1 of USDC in your Coinbase Account. During such period you will retain all USDC Rewards previously accrued but not yet distributed. Such accrued rewards will be distributed as described below in the “Calculation” section.

If at any time you are deemed [ineligible]

You can opt-out of, or back into, USDC Rewards at any time

If you opt-out of USDC Rewards or close your Coinbase Account, you will forfeit the rewards you have accrued (that are not yet distributed for the current calendar month) up to that time.

Not stated here

• The eligibility criteria are on a linked FAQ page that was not supplied.

Charges & Financial Obligations · Company practice

Rewards accrue daily at the current rate on your average daily balance and are airdropped weekly

Rewards are earned daily in USDC at the then-current USDC Rewards Rate, which with the annual percentage yield (including weekly compounding) is published on linked pages. Rewards earned in a week are airdropped to your USDC wallet within five business days after the next calendar week starts, rounded down to the sixth decimal place. Coinbase uses the Daily Balance Method, using your average USDC balance that day, and the daily rate is the current rate divided by 365. Based on your preference, rewards may be paid in an equivalent value of another supported digital asset, which is subject to market volatility and may gain or lose value.

Supporting quotations

Rewards are earned on a daily basis in the form of USDC at the then current USDC Rewards Rate.

Our current USDC Rewards Annual Percentage Yield, which includes the effect of weekly compounding

Rewards earned in a particular week are airdropped into your Coinbase USDC wallet within five (5) business days after the start of the next calendar week.

USDC Rewards distributed to you are rounded-down to the nearest sixth decimal place.

We use the Daily Balance Method to determine the rewards you earn for a particular day, using your average balance of USDC on that specific day as that day’s balance. The rate used to determine rewards earned for a particular day is the then current USDC Rewards Rate divided by 365.

Based on your selected preference, rewards accrued in USDC may be distributed to you in an equivalent value of another supported digital asset. Any such rewards distributed in a digital asset other than USDC are subject to market volatility and may gain or lose value.

Qualifications & exceptions

• The current rate and yield are on linked pages and can change.
• Rewards paid in another digital asset are exposed to market volatility.

Not stated here

• The current USDC Rewards Rate and APY were not supplied.

Cross-references

• contrast (model-proposed): USDC Rewards Rate, APY and Daily Balance Method are defined — contrast: The calculation text describes the USDC Rewards APY as including weekly compounding, while the APY definition refers to end of month compounding. The source does not say which controls.