Overview

• CEO Brian Armstrong outlined a plan to make Coinbase a primary financial account that handles spending, savings, payments and investing over crypto rails.
• An early example is a Coinbase credit card offering up to 4% back in bitcoin, with Armstrong arguing crypto rails can cut card networks’ 2–3% swipe fees.
• Legislative progress includes passage of the GENIUS Act for stablecoins and ongoing Senate debate on market structure, with Coinbase backing the Crypto Clarity Act.
• Finance Magnates reported SEC Chairman Paul Atkins touting a policy shift through “Project Crypto,” saying most tokens are not securities and endorsing super-app platforms.
• Coinbase is exploring yield-bearing stablecoin programs and DeFi integrations such as Morpho, while maintaining custody and payments partnerships with JPMorgan and PNC and, per reports, expanding capabilities with an August $2.9 billion Deribit acquisition.