Coinbase Interest Rates and Review

Volatility Risk: Cryptocurrencies are highly volatile, and their prices can fluctuate rapidly. A significant price drop could impact the value of your loaned or invested assets.
Platform Risk: When using third-party platforms, your funds may be at risk due to hacking, fraud, mismanagement, or insolvency of the platform. Some platforms are not regulated, meaning investor protections may be limited or nonexistent.
Counterparty Risk: When lending crypto, you are trusting that borrowers or institutions will repay their obligations. If the borrower defaults, you could lose some or all of your loaned capital.
Liquidity Risk: Some platforms may impose restrictions on withdrawing funds, or market conditions could make it challenging to liquidate your assets quickly.
Regulatory Risk: Cryptocurrency lending and investment regulations are still evolving. Regulatory changes could impact platforms, assets, or your ability to access services.
Technology Risk: Blockchain technology and smart contracts, while innovative, are not immune to bugs, exploits, or failures, which could put your funds at risk.

Coinbase Review

Coinbase is one of the most popular centralized crypto exchanges.

Coinbase Earn is Coinbase's interest-bearing product. They offer staking-as-a-service on supported assets and, more specifically, interest on USDC (Circle), ETH and SOL. In late 2025, rewards for USDC now requires a Coinbase One subscription.

Learn about the Coinbase One Card, Coinbase's credit card.

Coinbase Overview

Coinbase "Dashboard" user interface — Coinbase "Dashboard"

Coinbase "Portfolio" user interface — Coinbase "Dashboard"

Coinbase One

Coinbase One is an optional paid subscription add-on. Coinbase One includes lower trading fees, higher withdrawal limits, enhanced customer support with dedicated account representatives. It also, more importantly, is required to earn rewards on USDC.

Coinbase