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

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

4

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

Information is provided for informational purposes only and is not investment advice. This is not a recommendation to buy or sell a particular digital asset or to employ a particular investment strategy.

Certain content has been prepared by third parties not affiliated with Coinbase Inc. or any of its affiliates and Coinbase is not responsible for such content. Coinbase is not liable for any errors or delays in content, or for any actions taken in reliance on any content.

Low Fees:This feature may not be available to all regions. No commission fees attributed to Coinbase; however, spread, and processing fees charged by third party processors apply. You can opt out, request a trade, or transfer your USDC at any time. If you decide to opt out of USDC Rewards, you will forfeit all earned rewards that have not yet been distributed. If you remain opted out, you will no longer receive USDC rewards until you opt back in.

Direct Deposit: If you choose to be paid in crypto, Coinbase will automatically convert your paycheck from US dollars to crypto with no transaction fees. Limits apply. No Coinbase fees are charged to set up or maintain Direct Deposit, but a spread is included when you buy, sell, or trade cryptocurrencies.

Crypto Backed Mortgages:Subject to credit approval by Better. Coinbase does not provide mortgage advice or underwrite loans. All mortgages and crypto-backed loans are offered and serviced by Better, powered by Coinbase. Better's home loans are conventional mortgages. Coinbase One members approved for a loan by Better are eligible for a rebate of 1% of the mortgage value, up to $10,000, paid by Better as a lender credit toward closing costs. Better Mortgage Corporation, NMLS #330511. Equal Housing Lender. A Coinbase One subscription renews automatically and requires recurring payments. Membership benefits may be changed or removed without notice. Some membership benefits are not available in all regions and are not available to all users.

Stablecoin rewards: Rewards rates are subject to change and may vary by region or due to ongoing experimentation. Coinbase does not intend for the reward-bearing products described herein to constitute a securities offering, and purchasing these products is not the same as investing in a securities offering.