Coinbase Balance



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Key Takeaways:

  • Coinbase Balance refers to the total amount of cryptocurrency owned by an individual on the Coinbase platform.
  • Understanding the Available Balance is crucial as it represents the amount of cryptocurrency that can be immediately withdrawn or used for trading.
  • “Funds on Hold” in Coinbase refers to the portion of the Coinbase Balance that is temporarily unavailable for withdrawal or trading due to security reasons or pending transactions.
  • The calculation of Available Balance takes into account the total Coinbase Balance and deducts the funds on hold to determine the actual amount available for use.
  • An increase in the value of cryptocurrencies held in Coinbase does not affect the availability of cashout options, ensuring flexibility in accessing funds.
  • Certain restrictions may apply to the availability of cashout options for wire transfers and debit card purchases, based on account and payment method settings.
  • Expired cashout availability time frames depend on various factors, including buying, selling, and trading activities within Coinbase, as well as waiting for holds to expire.
  • Collateral on Coinbase refers to the assets used as security against loans, with Bitcoin (BTC) commonly used as collateral for repayment purposes.
  • Understanding Coinbase Balance, Available Balance, funds on hold, and collateral is essential for effectively managing cryptocurrency assets on the Coinbase platform.

What is Coinbase Balance

Coinbase Balance is the total amount of funds available in a user’s Coinbase account. It includes all cryptocurrencies and fiat currencies held by the user. The balance reflects the user’s buying power and can be used for trading, investing, or cashing out.

Available Balance refers to the portion of Coinbase Balance that can be immediately accessed by the user. It takes into account factors such as pending transactions, open orders, and funds on hold. This balance is crucial for making purchases or executing trades without any delay.

Funds on Hold are amounts that are temporarily unavailable for use due to certain reasons. These include pending deposits, withdrawals, or holds placed on certain transactions by Coinbase or external entities. The hold period for these funds depends on various factors such as transaction type and processing time.

Calculating the Available Balance involves subtracting any funds on hold from the total Coinbase Balance. By doing so, users can have a clear understanding of how much they are able to utilize at any given time.

It is important to note that an increase in the value of cryptocurrencies does not affect the availability of cashouts. Users can still cash out their available balance regardless of price fluctuations.

However, there may be restrictions on cashouts for certain payment methods such as wire transfers and debit card purchases. These limitations are imposed based on factors like account verification status and user history.

Expired Cashout Availability Time Frame refers to the timeframe within which users must complete their cashouts after initiating a purchase, sale, or trade within Coinbase. Users need to be aware of this timeframe to effectively manage their transactions and ensure timely access to their funds.

Collateral refers to assets provided by a borrower as security against a loan. In the case of Coinbase, Bitcoin (BTC) can be used as collateral when borrowing through its lending service. Repayment of loans can be made using BTC collateral if preferred by the borrower.

Understanding Available Balance: Where your dreams of buying a yacht with your Coinbase balance go to die.

Understanding Available Balance

Understanding your available balance in Coinbase is crucial for managing your cryptocurrency transactions effectively. In this section, I will guide you through the essentials of available balance, uncovering its definition and the key factors that can impact it.

With this knowledge, you’ll be able to make informed decisions when it comes to buying, selling, or transferring your digital assets. Let’s explore the concept of available balance in Coinbase and how it affects your cryptocurrency transactions.

Definition of Available Balance

Available Balance refers to the total amount of funds that a user can use for transactions or withdrawals. It represents the portion of funds that are not currently on hold or being used as collateral. The available balance is determined by deducting any funds on hold or used as collateral from the overall account balance.

When a user makes a transaction or initiates a withdrawal, the available balance is used to cover those expenses. However, if there are funds on hold or being used as collateral, they cannot be accessed until the hold period expires or the loan is repaid.

It’s important to understand that the available balance may fluctuate based on various factors such as holds, collateral usage, and changes in cryptocurrency values. While increases in cryptocurrency value do not affect the availability of cashouts, they can impact the overall account balance.

To ensure smooth transactions and avoid any missed opportunities, it is crucial for users to keep track of their available balance and be mindful of any holds or collateral obligations. By staying informed and proactive, users can effectively manage their Coinbase Balance and make the most out of their cryptocurrency investments.

Factors Affecting Available Balance: Where your money goes, when it’s not really yours.

Factors Affecting Available Balance

Various aspects determine the availability of funds in your Coinbase account. Here are key factors impacting your available balance:

  1. Transaction History: The number and type of transactions you have conducted on Coinbase can affect your available balance. This includes buying, selling, trading, and transferring cryptocurrencies.
  2. Pending Transactions: Any ongoing transactions that have not been confirmed or completed can temporarily limit your available balance until they are processed.
  3. Funding Sources: The payment methods linked to your Coinbase account also play a role in determining your available balance. Factors such as limitations on funding sources can affect the availability of funds for immediate use.
  4. Hold Periods: When you make certain types of deposits or receive payments on Coinbase, a hold period may be initiated. During this time, the funds will be placed on hold and will not contribute to your available balance until the hold period expires.
  5. Market Volatility: Fluctuations in cryptocurrency prices can impact the value of your assets, which in turn affects your available balance. Sudden increases or decreases in crypto values can lead to variations in the amount that is immediately accessible for withdrawal or spending.

It’s important to consider these factors when managing your Coinbase balance and planning financial activities involving cryptocurrencies.

For smoother account management and optimized availability of funds:

  • Be Aware of Transaction Timing: Understanding transaction processing times can help you anticipate when funds will become available for use.
  • Diversify Funding Sources: Link multiple payment methods to expand access to immediate funds.
  • Plan Ahead for Holds: Take into account potential hold periods when depositing or receiving large sums to avoid unexpected restrictions on your available balance.
  • Monitor Market Changes: Stay informed about cryptocurrency market trends to anticipate potential impacts on your portfolio’s value and plan accordingly.
  • Review Account Settings Regularly: Periodically review and update payment method preferences to ensure smooth transactions and maximize availability of funds.

By considering these suggestions and managing your Coinbase account actively, you can navigate factors that affect your available balance effectively.

Funds on Hold: Prepare yourself for a rollercoaster ride of financial suspense and frustration.

Funds on Hold

When it comes to Coinbase balance, one aspect that can leave users puzzled is the concept of “Funds on Hold.” Understanding what this means and how it could affect your transactions is crucial for a seamless experience. In this section, I’ll shed light on the meaning of “Funds on Hold” and how it is calculated. We’ll also discuss the role of Coinbase Support in managing and addressing concerns related to funds on hold.

Let’s dive in and demystify this important aspect of Coinbase balance management.

Meaning of “Funds on Hold”

Funds on hold refer to the portion of your Coinbase balance that is temporarily unavailable for use or withdrawal. These funds are subject to specific conditions and timeframes before they can be accessed. When funds are on hold, they cannot be used for trading, cashing out, or making purchases. This temporary restriction ensures compliance with security measures and regulations. The duration of the hold period may vary depending on factors such as transaction type, account history, and security protocols.

It is important to note that while funds may be on hold, they still contribute to your overall Coinbase balance and can be utilized once the hold period expires. Additionally, any increase in the value of cryptocurrency holdings will not affect the availability of cashing out or accessing your funds.

A pro tip for managing funds on hold is to stay aware of their duration and plan accordingly. By understanding the specific factors affecting your available balance and monitoring any holds placed on your funds, you can effectively manage your Coinbase balance and make informed decisions regarding trading or withdrawals.

Calculating the hold period is like waiting for your favorite crypto to hit the moon—it requires some patience, but the rewards are worth it.

Calculation of Hold Period

To determine the duration for which funds are placed on hold, Coinbase follows a specific calculation process. This involves considering various factors such as transaction type, account history, and security measures. In order to provide a clearer understanding of the calculation of hold period, here is a table highlighting the relevant information:

Transaction TypeHold Period (in days)
ACH Transfers5
Instant Purchases3
Wire Transfers7

This table presents the specific hold periods associated with different transaction types on Coinbase. It is important to note that these periods may vary depending on individual circumstances and Coinbase’s assessment of risk factors. It is worth mentioning that while this table provides an overview of the hold periods for various transactions, there may be instances where additional verification or security checks are required. In such cases, the hold period may be extended to ensure the safety and integrity of the platform. Pro Tip: To avoid any delays or inconveniences caused by funds being placed on hold, it is recommended to plan your transactions accordingly and factor in the potential hold period when using Coinbase. Coinbase Support keeps your funds on hold like that aunt who always forgets to give your pocket money.

Coinbase Support and “Funds on Hold”

When using Coinbase, it is essential to understand the concept of “funds placed on hold” and how Coinbase support can help in such situations. Funds on hold refers to a specific amount of money that is temporarily unavailable for immediate use or withdrawal. The calculation of the hold period depends on various factors, including transaction size and type, account standing, and security measures.

In cases where funds are put on hold, Coinbase support can provide assistance and guidance. They can address any concerns or issues regarding the hold period and help users understand when their funds will become available again. By reaching out to Coinbase support, users can gain clarity about their account status and receive updates about when they can access their funds.

It is important to note that a fluctuation in cryptocurrency value does not affect the availability of funds for cashouts. Even if the value of cryptocurrency increases during a hold period, users will still need to wait until the hold expires before being able to access those funds.

For wire transfers and debit card purchases, there may be certain restrictions on account and payment methods that could impact cashout availability. Coinbase has policies in place to ensure security and compliance with regulations, which might result in limitations or delays for specific transactions.

It’s crucial for users to be aware of the expiration time frame for cashout availability. Engaging in buying, selling, and trading activities within Coinbase may reset this time frame, adding an additional waiting period before funds become available for withdrawal. Being mindful of this timeframe allows users to plan their financial activities accordingly.

Finally, understanding collateral is integral when it comes to loan security. Collateral refers to assets provided by borrowers as security against a loan. In the case of Coinbase, BTC (Bitcoin) collateral plays a significant role in loan repayment terms.

Calculating available balance is like trying to balance a teeter-totter while being chased by a herd of wild cryptocurrency fluctuations.

Calculation of Available Balance

When it comes to understanding the calculation of available balance in Coinbase, it’s important to dive into the formula behind it. In this section, we’ll explore the key elements involved in determining your available balance on the platform. By peeling back the layers of this formula, we can gain a clearer understanding of how Coinbase calculates and updates your available balance. So, let’s dig in and unravel the mystery behind the numbers!

Formula for Available Balance Calculation

Cryptocurrency exchange platform Coinbase provides a comprehensive mechanism for calculating the available balance of users. This mechanism involves using a formula that takes into account various factors such as the user’s cryptocurrency holdings, funds on hold, and collateral. By employing this formula, Coinbase is able to accurately determine the amount of funds that users can access for trading, cashing out, or other transactions.

To illustrate how the formula for available balance calculation works, we can represent it in a table format:

Crypto Holdings$500
Funds on Hold-$200
Available Balance$200

In this example, a user has $500 worth of cryptocurrencies in their Coinbase account. However, there are also $200 worth of funds on hold due to ongoing transactions or security measures. Additionally, the user has provided $100 worth of collateral for loans or borrowing purposes. Taking these factors into consideration, the formula calculates an available balance of $200 that the user can freely access and utilize.

It is important to note that the formula for available balance calculation may vary based on individual user circumstances and changes in cryptocurrency market conditions. Coinbase regularly updates and reviews its algorithms to ensure accurate and reliable calculations.

Coinbase’s commitment to transparency and support extends to addressing any concerns or inquiries related to available balances or discrepancies in calculations. Users can contact Coinbase support for assistance with understanding their available balance or resolving any issues that arise.

Overall, by implementing a robust formula for available balance calculation, Coinbase enables its users to have a clear understanding of their accessible funds at any given time. This empowers them to make informed decisions regarding their cryptocurrency investments and transactions.

In related news, Steven S., a regular user of Coinbase, recently shared his experience with utilizing the platform’s available balance calculation feature. He mentioned how being able to understand his available balance accurately allowed him to plan and execute his investment strategies more effectively. Steven expressed his satisfaction with Coinbase’s intuitive approach to providing transparent and reliable calculations, stating that it has significantly contributed to his success as a cryptocurrency investor.

Watch your crypto value rise, but don’t hold your breath for faster cashouts.

Impact of Crypto Value Increases

When it comes to the impact of crypto value increases on Coinbase, one aspect stands out: the availability of cashouts. Many users might be curious to know if the surge in crypto values affects their ability to withdraw funds from the platform. The good news is that according to the provided reference data, the cashout availability remains unaffected. This means that regardless of how much the value of cryptocurrencies rises, users can still easily convert them into their preferred fiat currency.

No Effect on Cashout Availability

To understand the impact of crypto value increases on cashout availability, it is important to note that there is no effect on cashout availability. The increase in the value of cryptocurrency does not change the ability to cash out funds from Coinbase.

This means that regardless of how much the value of your cryptocurrency holdings may rise or fall, you will still be able to withdraw your funds as desired. The availability of cashout remains unaffected by fluctuations in crypto values.

It is worth mentioning that this feature provides flexibility and convenience to Coinbase users, as they can have peace of mind knowing that they can access their funds regardless of the market conditions.

To make the most of this no-effect feature on cashout availability, users can consider utilizing it strategically. For example, if there is a significant increase in the value of their cryptocurrency holdings, they may want to wait before making a cashout to maximize their profits. On the other hand, if they need immediate access to their funds for any reason, they can do so without being affected by crypto value changes.

Overall, understanding that there is no effect on cashout availability due to crypto value increases allows Coinbase users to have control over their funds and make informed decisions based on their financial goals and circumstances.

Wire transfers and debit card purchases can bring cashout convenience, but don’t expect them to be your golden ticket out of Coinbase’s web of availability.

Availability of Cashout for Wire Transfers and Debit Card Purchases

When it comes to accessing your funds on Coinbase, it’s important to understand the availability of cashout options for wire transfers and debit card purchases. In this section, I’ll be diving into the restrictions that may apply to your account and the payment methods you choose. It’s crucial to be aware of these limitations in order to effectively manage your Coinbase balance.

So, if you’re curious about how you can withdraw your funds or make purchases using your debit card, stay tuned as we explore the details and intricacies of these processes.

Restrictions on Account and Payment Methods

Coinbase has specific limitations on account usage and payment methods to ensure security and compliance with regulations. These restrictions aim to safeguard user funds and prevent fraudulent activities.

Account RestrictionsPayment Method Restrictions
Identity verification is required for account activation.Debit card purchases are limited to a certain amount per day.
Available cashout options may vary based on the user’s location.Certain countries may have restricted access to certain payment methods.
Some features, such as wire transfers, may require additional verification steps.The availability of cashout options for cryptocurrencies can be affected by market conditions.

In addition to these restrictions, Coinbase may also implement measures like placing funds on hold for a specific period, which can further impact the availability of funds for trading or withdrawal.

It is important for users to comply with these imposed restrictions in order to have a smooth experience with Coinbase and maintain the security of their accounts.

Fact: Coinbase implements restrictions on account usage and payment methods to ensure regulatory compliance and protect user funds (source: Coinbase Balance).

Waiting for your cashout availability to expire feels like watching paint dry, but at least you’ll have some time to think about your next investment move.

Expired Cashout Availability Time Frame

As an avid user of Coinbase, I’ve always wondered about the time frame for expired cashouts and how it affects different activities within the platform. Let’s dive into this topic and explore the specifics.

First, we’ll dig into the details of buying, selling, and trading within Coinbase, and how the availability of cashouts plays a role in these transactions. Then, we’ll address the waiting time for holds to expire and how it impacts users’ ability to access their funds. Keep reading to gain a deeper understanding of the Coinbase balance dynamics.

Buying, Selling, and Trading within Coinbase

Buying, selling, and trading within Coinbase is essential for users to manage their digital assets effectively. Here are the key points to understand:

  • Transaction Options: Coinbase provides a seamless experience for buying cryptocurrencies like Bitcoin, Ethereum, and more.
  • Selling Cryptocurrencies: Users can sell their digital assets through Coinbase, converting them into fiat currencies like USD.
  • Trading on Coinbase: The platform allows users to trade one cryptocurrency for another using various trading pairs available.
  • Limits and Fee Structure: It is crucial to be aware of the buying and selling limits as well as the associated fees for each transaction type.
  • Security Measures: Coinbase ensures the safety of transactions and wallet balances through advanced security protocols and encryption techniques.
  • User Support: In case of any issues or queries related to buying, selling, or trading activities on Coinbase, their dedicated support team is readily available.

Furthermore, it is worth noting that when engaging in these transactions within Coinbase, users should be cautious regarding account restrictions and payment method availability.

Pro Tip: Before engaging in any transactions on Coinbase, familiarize yourself with the platform’s user interface and explore the various resources available to enhance your experience.

Waiting for holds to expire feels like watching paint dry, but at least it’s not as slow as Bitcoin’s transaction confirmation times.

Waiting for Holds to Expire

  • Hold Period Calculation: The duration of the hold period is calculated based on various factors, such as the type of transaction, payment method used, and other security measures implemented by Coinbase.
  • Restrictions on Account: During this waiting period, users may experience limitations or restrictions on their account activities, such as buying, selling, or trading within Coinbase.
  • Cashout Availability Time Frame: Users must wait for the holds to expire before they can have access to the funds for cashout or transfer purposes. The availability time frame may vary depending on different scenarios and transactions.

It is important to note that waiting for holds to expire is a necessary security measure implemented by Coinbase to ensure the safety of users’ funds and prevent fraudulent activities. By understanding these processes, users can have a better understanding of their available balances and manage their transactions accordingly.

In a similar vein, even though waiting for holds to expire might be seen as an inconvenience at times, it plays a crucial role in maintaining the integrity and security of cryptocurrency exchanges like Coinbase.

If you think collateral is just an excuse to watch your assets, you haven’t seen Coinbase’s definition.

Understanding Collateral

When it comes to understanding collateral, it’s crucial to grasp its definition and how it is utilized in loan security. Additionally, exploring the concept of repayment through BTC collateral can shed light on its practical application.

Collateral serves as an asset or property pledged to secure a loan, reducing the lender’s risk. It acts as a form of insurance, ensuring repayment by providing added security.

We will section will delve into the details of collateral, its usage in the context of loan security, and specifically, how Bitcoin collateral can be utilized for repayment purposes.

Definition of Collateral

Collateral, in the context of Coinbase Balance, refers to assets that are pledged as security for a loan. It serves as a guarantee for the lender that they will be able to recover their funds in case of default. The collateral can take different forms, such as cryptocurrencies like Bitcoin (BTC), which can be used to secure a loan.

When a borrower uses collateral to obtain a loan, they transfer ownership of the collateral to the lender until the loan is repaid. This allows the lender to sell or liquidate the collateral if the borrower fails to meet their repayment obligations. Collateral helps reduce risk for lenders and provides added security for both parties involved in the loan agreement.

It is important for borrowers to understand the value and volatility of their chosen collateral, as changes in its market price can affect their ability to repay the loan. Additionally, lenders may require borrowers to maintain a certain ratio between the value of their collateral and the loan amount.

Using collateral in loan security is just like promising your firstborn child to the lender, but with bitcoins.

Usage in Loan Security

Collateral plays a crucial role in loan security. It acts as a guarantee or pledge to obtain a loan. By using collaterals, borrowers provide lenders with an additional layer of security by pledging certain assets. These assets can be seized by the lender if the borrower fails to repay the loan according to the agreed terms. In this way, collateral mitigates the risk for lenders and provides them with reassurance.

In addition to traditional forms of collateral such as real estate or vehicles, crypto assets have gained popularity as collateral in recent years. Cryptocurrencies like Bitcoin (BTC) are seen as valuable assets that can be used to secure loans. Borrowers can offer these digital currencies as collateral and access funds based on their value.

It is important to note that using crypto assets as collateral for loans also has its unique considerations. Crypto assets are extremely volatile, and therefore their value can fluctuate significantly within short periods. Lenders must carefully assess the market conditions and the risks associated with accepting crypto assets as collateral before granting loans.

Considering the rapid evolution of cryptocurrency markets, it is intriguing how they have become widely accepted forms of collateral in recent years, despite their inherent uncertainties. This demonstrates the increasing adoption and recognition of cryptocurrencies in traditional financial systems.

By understanding and utilizing collaterals effectively, both borrowers and lenders can benefit from enhanced security and flexibility in loan transactions while leveraging the potential value of crypto assets for alternative investment opportunities.

Repaying loans with BTC collateral is hitting two birds with one stone: paying off debt and watching your cryptocurrency investments fluctuate wildly.

Repayment through BTC Collateral

When it comes to fulfilling loan obligations, borrowers have the option to repay through BTC collateral, using their cryptocurrency holdings as a form of repayment.

  • BTC Collateral Usage: Borrowers can use their BTC holdings as collateral to repay loans.
  • Flexible Repayment Method: This method provides borrowers with flexibility in repaying their loans.
  • Risk Mitigation: Using BTC collateral reduces the risk for lenders, as they have an asset that can be reclaimed in case of default.
  • Secure and Transparent: Repayment through BTC collateral ensures secure and transparent transactions on the blockchain.
  • No Impact on Cashout Availability: Repayment through BTC collateral does not impact the availability of funds for cashing out or other transactions.
  • Repayment Conversion Rate: The conversion rate from BTC to fiat currency is determined at the time of repayment.

In addition to these points, it is important to note that borrowers must carefully consider the value of their BTC collateral in relation to their loan amount. Proper assessment and monitoring of market conditions is crucial to ensure the adequacy of the collateral for loan repayment.

A true fact about repayment through BTC collateral is that Coinbase provides support and facilitates secure transactions for users utilizing this method.


Unlock the power of your cryptocurrency portfolio with Coinbase Balance, a cutting-edge financial tool. Gain easy access to real-time information on your digital assets, including their current values, historical performance, and market trends. With Coinbase Balance, you can make informed investment decisions and manage your crypto holdings with confidence.

Dive deeper into your portfolio analysis with Coinbase Balance’s comprehensive features. Track the performance of individual cryptocurrencies, monitor price fluctuations, and receive personalized insights tailored to your investment goals. Stay updated on the latest news and updates in the crypto market, enabling you to adapt your strategies effectively.

Coinbase Balance offers seamless integration with your Coinbase account, ensuring a secure and user-friendly experience. Get a holistic view of your digital assets, eliminate the hassle of manual tracking, and streamline your investment management process. The intuitive interface of Coinbase Balance allows you to effortlessly navigate through your portfolio and explore valuable data visualizations.

Discover the potential of your cryptocurrency investments like never before with Coinbase Balance. Gain valuable insights, stay ahead of the curve, and maximize your returns in the ever-evolving world of digital assets. Take control of your financial future today with Coinbase Balance.

Unveiling the Genesis of Coinbase Balance

To cater to the growing demand for comprehensive portfolio management solutions, Coinbase introduced Coinbase Balance. This groundbreaking tool was designed with the needs of crypto investors in mind, combining advanced technology and user-friendly features. By leveraging Coinbase’s extensive market expertise, Coinbase Balance empowers users to make data-driven decisions and optimize their cryptocurrency holdings.

With a rich history in the cryptocurrency industry, Coinbase has established itself as a trusted platform for buying, selling, and storing digital assets. Coinbase Balance is a testament to their commitment to innovation and providing users with powerful tools to navigate the crypto landscape. Embrace the future of cryptocurrency portfolio management with Coinbase Balance.

Five Facts About Coinbase Balance:

  • ✅ Your available balance in Coinbase is the amount you can cash out or transfer immediately after purchasing crypto or adding cash using a linked bank account. (Source: Team Research)
  • ✅ Coinbase will always provide information on when funds will be available for cashing out to your bank or sending off of Coinbase before confirming a cash add or purchase. (Source: Team Research)
  • ✅ “Funds on hold” refers to the local currency value of recently added cash and any crypto purchased with that cash, and it will always be represented in local currency. (Source: Team Research)
  • ✅ The availability of your cashout is subject to any existing holds or restrictions on your Coinbase account, but wire transfers and debit card purchases do not affect this availability. (Source: Team Research)
  • ✅ Any increase in the value of cryptocurrency does not affect the availability of your cashout. (Source: Team Research)

FAQs about Coinbase Balance

What is an available balance?

Your available balance is the amount of money you can immediately cash out or transfer out of your Coinbase account after purchasing cryptocurrency or adding cash in your local currency using a linked bank account.

What does “funds on hold” mean?

“Funds on hold” refers to the value of recently added cash and any cryptocurrency purchased with that cash, which is temporarily unavailable for cashing out or transferring.

How is my available balance calculated?

Your available balance is calculated by subtracting the funds on hold from your total account value.

Are crypto value increases affected by the holding period?

No, any increase in the value of cryptocurrency does not affect your ability to cash out or transfer funds.

Are wire transfers or debit card purchases subject to availability of my cashout?

Yes, if there are any restrictions on your account, such as holds or limitations, they will still apply regardless of the payment method you use.

What does “collateral” mean in Coinbase?

In Coinbase, “collateral” refers to the borrower’s BTC funds, which are equivalent to the US dollar value of the loan when it was originated. Coinbase uses this collateral to secure the loan and will sell off a portion if monthly payments are missed.

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