Estate planning at Coinbase

Coinbase One is a premium subscription service with tiers ranging from $4.99/month (Basic) to $299.99/month (Premium), with 600,000+ members reported. Benefits include zero trading fees within monthly volume limits that scale by tier (Basic up to $500, Preferred up to $10,000, Premium unlimited), reduced staking commissions with tiered boosts on net rewards, USDC rewards (approximately 3.5% APY in many regions for Coinbase One members; rates vary by region and tier), 24/7 dedicated support, CPA-endorsed tax reports, account protection up to $1,000 (Basic) / $10,000 (Preferred) / $250,000 (Premium) for lost crypto from unauthorized transfers, and Bitcoin back with the Coinbase One Card. The subscription is tied to the account holder and does not transfer to heirs. Coinbase One does not provide any beneficiary designation or trust retitling capability beyond what is available on standard accounts.

Coinbase is not a bank. Coinbase, Inc. is licensed as a money transmitter and virtual currency business. Cryptocurrency held on Coinbase is not FDIC insured and is not protected by SIPC. Coinbase maintains a crime insurance policy to protect a portion of digital assets held in its online storage against losses from theft, including cybersecurity breaches. USD balances held in Coinbase accounts may be held at FDIC-insured banks, but the FDIC insurance applies only to the USD balance, not to cryptocurrency.

Coinbase Custody Trust Company, LLC is a New York-chartered limited purpose trust company regulated by the New York State Department of Financial Services. It is a fiduciary under New York state law and a qualified custodian under the Investment Advisers Act of 1940. Coinbase Custody provides institutional-grade storage for digital assets and is the custody solution used by Coinbase Prime for institutional and trust entity clients. Coinbase Custody Trust Company maintains SOC 1 Type II and SOC 2 Type II audits by Deloitte & Touche.

Coinbase charges a commission on staking rewards for supported proof-of-stake assets (historically including ADA, ATOM, AVAX, DOT, ETH, MATIC, SOL, and XTZ). Coinbase One members receive reduced commissions, with tiered boosts to net staking rewards by membership tier (Basic, Preferred, Premium). Reward rates are estimates based on protocol rewards over the past 90 days and vary by asset; current rates and the eligible-asset list are published on Coinbase's fees and disclosures pages. Staked assets remain in the user's Coinbase account and follow the same estate transfer rules.

As of December 15, 2025, USDC rewards on the Coinbase platform are limited to Coinbase One subscribers (approximately 3.5% APY in many regions; rates vary by region and tier). Non-paying Coinbase customers no longer earn USDC rewards on the Coinbase platform. Separately, USDC held in Coinbase Wallet earns onchain rewards on Base, paid monthly. Coinbase also provides a lending feature through Morpho for potentially higher yields on USDC. USDC reward rates are set by Coinbase and may change; updates typically take effect on the first day of the calendar month.