Cryptoforaffordability

There’s an affordability problem

86% of Americans have had to change their behavior to manage rising costs
1 IN 2
Americans say inflation and the cost of living is the most important issue in deciding their vote in the midterms
1 IN 5
Americans say low interest earned on their savings is a major part of their cost of living concerns
1 IN 5
Americans say transaction fees and hidden charges are a major part of their cost of living concerns
3 IN 4
say a few dollars difference in fees matters more to me now than it did a few years ago
  • 63%
    of Americans say paying a fee to access or transfer their own money is extremely or very frustrating
  • 55%
    of Americans say waiting days for a payment to clear is extremely or very frustrating

Americans are fed up with the current system

Demand for financial reform is nearly universal—and it rings loudest among the younger generations who represent America’s future
82%
of Americans state the financial system needs to change.
GenZ (87%) and Millennials (90%) are most likely to seek change vs Boomers (71%)
53%
cite major changes or a complete overhaul is needed
80%
of Americans agree ‘Financial services companies charge too much in fees’
61%
of Americans do not trust big financial institutions (consistent across generations)
72%
who say ‘these days even small unexpected costs can throw off my budget’
The national average interest rates for traditional bank deposit accounts are quite low, hovering around 0.38% for savings accounts and 0.07% for interest-bearing checking accounts according to Federal Deposit Insurance Corp
Credit and debit card swipe fees have jumped 80% since the pandemic

Americans are spending too much on banking fees

  • $4.86
    Average fees; ATM per transaction
  • $26.77
    Overdraft per month
  • $10.705
    Min balance; to avoid min service fee
  • $311
    Estimates per consumer (More at a household level)

Crypto is a tool in the affordability crisis

1

Low fees

Store USDC with Coinbase and cut out typical fees Americans experience when withdrawing and sending money

2

Direct deposit

Automatically invest from your paycheck + earn 3.75% APY rewards rate on your cash (USDC) paid out daily

3

Crypto backed mortgages

CB1 members get up to $10k refunded in closing costs (1% of mortgage value)

4

CB1 Card

Earn up to 4% Bitcoin back on every purchase. Terms apply.

5

Stablecoin rewards

Coinbase offers a 3.75% APY reward rate on (USDC) (0.07% average interest available on a standard checking account)

YOUR WAY OUT
OF THEIR SYSTEM
Starts with Coinbase

  1. 1. Study conducted by Focaldata, commissioned by Coinbase, July 2026. n=2,064 Americans aged 18+, nationally representative sample
  2. 2. bankrate, Checking Account and ATM Fee Study, Sept'25
  3. 3. bankrate, Checking Account and ATM Fee Study, Sept'25
  4. 4. bankrate, Checking Account and ATM Fee Study, Sept'25
  5. 5. EY-Parthenon US Payments and Bank Fees Consumer Survey, Oct'24
  6. 6. FDIC, Monthly Rate Cap Information, August 2026