From day one, Brian Armstrong and the Coinbase team believed that people deserve more from an outdated financial system, and that crypto makes this possible.

More access. More ownership. More freedom to participate in the global economy.

More than a decade later, that belief continues to guide how Coinbase builds. In the second half of the year alone, Coinbase shipped a series of system-wide updates that point to a much bigger ambition: to modernize the global financial system and increase economic freedom worldwide.

The current financial system is fundamentally broken for the modern era. In the United States, a staggering 87% of Americans report that high fees, persistent delays, and unequal access prevent the system from actually working for them.

This is far more than a domestic inconvenience; globally, millions remain entirely excluded from the economy, lacking access to the reliable banking and global markets necessary to build meaningful wealth.

The friction is visible at every level. Sending money abroad remains needlessly slow and expensive, while rigid banking hours and fixed trading windows feel like relics of a bygone age.

Because capital allocation is still largely reserved for a small circle of insiders, and intermediaries take a cut of every transaction, the average person is consistently left behind.

This is the critical gap that Coinbase believes crypto can close, replacing outdated hurdles with a system that is open, efficient, and accessible to all.

Crypto offers a way to rebuild finance so it works for everyone. It makes financial systems faster, cheaper, more open, and more accessible, while eliminating unnecessary middlemen.

That’s why Coinbase has spent the last 13 years relentlessly upgrading its systems, not just to serve traders, but to support individuals, businesses, financial institutions, governments, and developers.

Coinbase isn’t just building products but building the infrastructure for an open financial system.

Base App isn’t just another social or finance platform; it’s an everything app for the onchain economy, combining social interaction, trading, payments, finance, and access to thousands of onchain apps in a single interface.

In this environment, everything you do, from posting content to building protocols, can carry real, tradable value.

On Base, creators and consumers participate in the same open economy. Creators own their creativity, reputation, and work as global onchain assets, no longer locked inside closed platforms.

Consumers move beyond passive usage to become active participants. Discovering, supporting, trading, and sharing in the upside of the creators, apps, and communities they believe in.

Today, to the best of its knowledge, Coinbase stores more crypto than any other company in the world. Assets on the platform have grown five times over the past three years, and by Q3, Coinbase reported holding over $500 billion USD in crypto assets on the platform.

But scale alone isn’t the goal.

Coinbase’s ambition is to become the number one financial services app in the world. To do that, it must be the most trusted platform to manage your entire financial life.

To reach that goal, Coinbase has been building across three key phases of crypto adoption.

Trading was crypto’s first major use case, and Coinbase led the way.

What began with a small number of supported assets has grown into a global trading platform with deep integrations across decentralized markets. Coinbase made crypto trading accessible through a clean, user-friendly interface, allowing millions to enter the space safely and compliantly.

Today, users can trade not only cryptocurrencies but a growing range of exchangeable assets, all within a trusted environment.

The next phase expands crypto into full financial services.

Coinbase is building tools that are faster, cheaper, and more rewarding than traditional banking, unlocking opportunities legacy systems can’t offer. From global payments to earning and capital efficiency, Coinbase aims to be the best place to grow your money in an onchain world.

These services operate without the friction of limited hours, slow settlement times, or excessive fees finance designed for the internet age.

The final phase is Coinbase’s developer platform, designed to make crypto integration effortless.

Any business or developer can use Coinbase’s crypto services to integrate custody, payments, stablecoins, and crypto-as-a-service into their products. This allows companies to onboard users to crypto without rebuilding infrastructure from scratch.

At the center of this strategy is Base, Coinbase’s Ethereum Layer 2 network. Base offers developers a scalable, secure foundation to build real-world crypto utility into everyday applications spanning payments, social, commerce, and beyond.

From day one, Brian Armstrong and the Coinbase team believed that people deserve more from an outdated financial system, and that crypto makes this possible.

More access. More ownership. More freedom to participate in the global economy.

More than a decade later, that belief continues to guide how Coinbase builds. In the second half of the year alone, Coinbase shipped a series of system-wide updates that point to a much bigger ambition: to modernize the global financial system and increase economic freedom worldwide.

The current financial system is fundamentally broken for the modern era. In the United States, a staggering 87% of Americans report that high fees, persistent delays, and unequal access prevent the system from actually working for them.

This is far more than a domestic inconvenience; globally, millions remain entirely excluded from the economy, lacking access to the reliable banking and global markets necessary to build meaningful wealth.

The friction is visible at every level. Sending money abroad remains needlessly slow and expensive, while rigid banking hours and fixed trading windows feel like relics of a bygone age.

Because capital allocation is still largely reserved for a small circle of insiders, and intermediaries take a cut of every transaction, the average person is consistently left behind.

This is the critical gap that Coinbase believes crypto can close, replacing outdated hurdles with a system that is open, efficient, and accessible to all.

Crypto offers a way to rebuild finance so it works for everyone. It makes financial systems faster, cheaper, more open, and more accessible, while eliminating unnecessary middlemen.

That’s why Coinbase has spent the last 13 years relentlessly upgrading its systems, not just to serve traders, but to support individuals, businesses, financial institutions, governments, and developers.

Coinbase isn’t just building products but building the infrastructure for an open financial system.

Base App isn’t just another social or finance platform; it’s an everything app for the onchain economy, combining social interaction, trading, payments, finance, and access to thousands of onchain apps in a single interface.

In this environment, everything you do, from posting content to building protocols, can carry real, tradable value.

On Base, creators and consumers participate in the same open economy. Creators own their creativity, reputation, and work as global onchain assets, no longer locked inside closed platforms.

Consumers move beyond passive usage to become active participants. Discovering, supporting, trading, and sharing in the upside of the creators, apps, and communities they believe in.

Today, to the best of its knowledge, Coinbase stores more crypto than any other company in the world. Assets on the platform have grown five times over the past three years, and by Q3, Coinbase reported holding over $500 billion USD in crypto assets on the platform.

But scale alone isn’t the goal.

Coinbase’s ambition is to become the number one financial services app in the world. To do that, it must be the most trusted platform to manage your entire financial life.

To reach that goal, Coinbase has been building across three key phases of crypto adoption.

Trading was crypto’s first major use case, and Coinbase led the way.

What began with a small number of supported assets has grown into a global trading platform with deep integrations across decentralized markets. Coinbase made crypto trading accessible through a clean, user-friendly interface, allowing millions to enter the space safely and compliantly.

Today, users can trade not only cryptocurrencies but a growing range of exchangeable assets, all within a trusted environment.

The next phase expands crypto into full financial services.

Coinbase is building tools that are faster, cheaper, and more rewarding than traditional banking, unlocking opportunities legacy systems can’t offer. From global payments to earning and capital efficiency, Coinbase aims to be the best place to grow your money in an onchain world.

These services operate without the friction of limited hours, slow settlement times, or excessive fees finance designed for the internet age.

The final phase is Coinbase’s developer platform, designed to make crypto integration effortless.

Any business or developer can use Coinbase’s crypto services to integrate custody, payments, stablecoins, and crypto-as-a-service into their products. This allows companies to onboard users to crypto without rebuilding infrastructure from scratch.

At the center of this strategy is Base, Coinbase’s Ethereum Layer 2 network. Base offers developers a scalable, secure foundation to build real-world crypto utility into everyday applications spanning payments, social, commerce, and beyond.