Coinbase Earn
🟢 Low riskRegulation · Proof-of-Reserves · Flexible withdrawal · Insurance Fund · Track record (2+ years incident-free)
- ✓ Regulation
Public company on NASDAQ since 2021. Licensed as Money Transmitter in every US state, regulated by the CFTC and SEC. Source →
- ✓ Proof-of-Reserves
As a public company, undergoes regular external audits (Deloitte). Reserves are 1:1 with user deposits by law. Source →
- ✓ Flexible withdrawal
All Earn products are Flexible — staking can be unstaked (unbonding ~3-21 days depending on asset).
- ✓ Insurance Fund
FDIC insurance up to $250k on USD balance. Crypto assets insured by Lloyd's of London ($255M). Source →
- ✓ Track record (2+ years incident-free)
Operating since 2012 with no major incidents involving user funds. Survived the FTX collapse and 2022 bear market without issues.
Known incidents
No known incidents in the past 2 years
Yield products
as of May 24, 2026| Product | Rate | Type | Lock | |
|---|---|---|---|---|
| USDC | 3.5 % | flexible | — | Open |
| BTC | 0.5 % | flexible | — | Open |
| ETH | 1.85 % | staking | — | Open |
| SOL | 3.88 % | staking | — | Open |
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