Money should move in the blink of an eye. https://t.co/jyoAdU5U0A
Coinbase Business
Business crypto payment account with $1B+ transacted and 200+ supported assets
3.5/ 5
Our score
Good
Settlement
CryptoStablecoins
Coins supported
200
Settle in stablecoins
Yes
Self-hosted option
No
Business verification (KYB)
Yes
What is Coinbase Business?
Coinbase Business is a business account for accepting and sending crypto payments, managing company funds, trading digital assets, and storing them with Coinbase. It reports more than $1B transacted, 5,000+ businesses, and 200+ supported assets.
Company behind the account
Brian Armstrong and Fred Ehrsam founded Coinbase in June 2012. Armstrong, the chief executive officer, previously worked as an Airbnb engineer and participated in Y Combinator. Ehrsam was a Goldman Sachs trader. Headquartered in San Francisco, United States, Coinbase reports a team size of 1,249. It says it holds 80+ licenses and runs KYC and KYB processes for its payments platform.
How payments work
Businesses can accept stablecoin payments through payment links or checkout integrations, then send payouts to individuals or other businesses. Checkout APIs create embeddable checkout URLs and provide real-time webhooks, while built-in invoicing, accounting integrations, tax-report exports, and payout APIs support cash-flow tracking and back-office bookkeeping.
The account supports trading, buying, selling, and storage across 200+ crypto assets. USDC holdings automatically earn the displayed rewards rate with no lockup period. Because Coinbase operates the account as a custodial service, the business relies on Coinbase to hold and process its assets.
Fees and rewards
There is no application fee. Coinbase charges a fee on each completed payment, showing the current rate directly inside the business account. Converting USDC to USD automatically also carries a fee. The displayed USDC rewards rate is 3.60% APY, although rates vary by region and can change over time. These rewards depend on holding USDC rather than generating guaranteed payment volume.
Availability and track record
Access requires business verification, and rewards depend on regional eligibility. Coinbase Commerce was unified with Coinbase Business, leaving the legacy Commerce portal inaccessible after March 31, 2026. The platform reported $1B+ transacted across 5,000+ businesses.
Risks and limitations
Funds remain in Coinbase custody, and account access depends on regional eligibility. Coinbase states it is not a party to transactions between merchants and their customers, meaning it does not handle disputes over delivered goods or services.
Founders
Brian ArmstrongCo-founder and chief executive officer of Coinbase
Former Airbnb engineer who participated in Y Combinator.
Fred EhrsamCo-founder of Coinbase
Former Goldman Sachs trader.
Best for:Startups accepting stablecoinsSmall-business crypto paymentsBusinesses needing crypto payoutsCompanies managing USDC treasury
Pros and cons
Pros
- Supports 200+ crypto assets
- Offers payment links, invoices and checkout APIs
- Reports $1B+ transacted across 5,000+ businesses
- Provides automated payouts through APIs
- No application fee
- USDC rewards have no lockup or minimum balance
Cons
- Completed payments carry a fee shown inside the account
- USDC to USD auto-conversion carries a fee
- Custodial funds create Coinbase counterparty exposure
- Business verification is required during onboarding
- Rewards vary by region
- Crypto payments remain irreversible after sending
Our review
3.5/5
Good
Coinbase Business combines hosted stablecoin payments with trading and treasury tools, but its payment fees, regional access and custody model reduce flexibility.
Coinbase Business is a hosted payment gateway and operating account for companies that accept, send, and hold crypto. The account combines global stablecoin payments, payouts, invoices, payment links, checkout tools, trading, and custody. Coinbase reports more than $1B transacted, 5,000+ businesses, and 200+ supported assets.
Payment links and embeddable checkout URLs cover common merchant workflows. Checkout APIs provide real-time webhooks, while other APIs can automate payouts and cash flows. Accounting integrations and tax-report exports support back-office work.
Merchants can accept stablecoins and hold USDC, with automatic USDC rewards displayed at 3.60% APY. USDC can also be converted to USD, although auto-conversion carries a fee. Coinbase says completed payments carry a fee, with the current amount shown inside the business account rather than as a universal public rate.
The company behind the product was founded in 2012 by Brian Armstrong and Fred Ehrsam. Armstrong previously worked as an Airbnb engineer and participated in Y Combinator; Ehrsam was a Goldman Sachs trader. Coinbase says it holds 80+ licenses and uses transaction monitoring, sanctions screening, KYC, and KYB.
Coinbase Business is an operating account and payment platform for startups and merchants that accept stablecoins and use hosted checkout alongside crypto trading and custody.
Specs
| Settlement | Crypto, Stablecoins · unverified |
|---|---|
| Coins supported | 200 · unverified |
| Integrations | Accounting software, Checkout APIs, Real-time webhooks · unverified |
| Invoicing | Yes · unverified |
| Mass payouts | Yes · unverified |
| Self-hosted option | No |
| Business verification (KYB) | Yes · unverified |
| Settle in stablecoins | Yes · unverified |
| API & SDKs | Yes · unverified |
Not disclosed by the provider: Processing fee, Recurring payments, Point of sale, Merchant countries.
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
Key features
Stablecoin payments
Accept instant global payments using stablecoins, with payment links and checkout options.
Checkout APIs
Create embeddable checkout URLs and receive real-time webhooks for payment events.
Business payouts
Send crypto payments to individuals or businesses and automate payout flows through APIs.
Invoicing tools
Create and manage invoices inside the business account.
Crypto trading
Buy, sell and store 200+ crypto assets from the same account.
USDC rewards
Hold USDC with a displayed rewards rate of 3.60% APY, no lockup and no minimum balance.
Accounting support
Connect common accounting software and export tax reports for bookkeeping workflows.
Inside Coinbase Business
Global payments
Businesses can accept instant global payments using stablecoins and send payments to individuals or other businesses. Coinbase says these payments have no chargebacks for transactions to which it is not a party.
Payouts
Payouts let businesses send money to individuals or companies anywhere. APIs can automate payouts and cash flows.
Invoicing
Businesses can create and manage invoices to request payment from customers.
Payment Links
Payment Links let a business create and share a link for collection.
Checkouts
Checkouts add crypto as a payment option to an existing checkout. The checkout APIs support embeddable checkout URLs and real-time webhooks.
Earn on idle funds
Businesses can hold USDC and automatically earn rewards with no lockup or minimum balance. The displayed rate is 3.60% APY and can vary by region.
Trading
The business account supports buying, selling and storing Bitcoin and hundreds of other cryptocurrencies, with 200+ assets supported across the platform.
Taxes & accounting
Coinbase Business integrates with common accounting software and supports tax-report exports for bookkeeping and compliance work.
What users say about Coinbase Business
Users praise the app for being easy to use and intuitive, and a few note helpful in-app support. Complaints centre on slow transfers and long fund holds, account lockouts and blocked withdrawals, high fees, unhelpful or bot-only support, and app glitches with inaccurate balances.
Top goods
In their own words
“Simple and Reliable Very easy to use and love the way it flows from one screen to the next.”
“Easy to work with Easy to buy and sell. Almost intuitive.”
“Please support answered my question in the in-app chat the same day”
“Week long wait period to send ETH is unacceptable It is ridiculous that you have to wait a week to send purchased ETH. Robinhood and other platforms do not have this restriction.”
“It can take away access to your coins or ability to transfer any time - beware They locked me out of all my coins. Forced me to realize all the coins which I can sell. There is one coin which I cannot sell, and also not allowing me to withdraw. It has been two weeks and giving run around.”
“No real person customer service Had an account cash withdrawal issue, and can’t find a real person, the AI customer service asked me to write a mail, put into an envelope and mail to Mew York headquarters. Fully automated system and no real person.”
Scam warning: Posts advertising crypto recovery services target people who have already lost funds and should be treated as scams
Based on 44 App Store reviews from the last 12 months, checked Oct 17, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.
User reviews
No user reviews yet. Have you used Coinbase Business? Share your experience below.
FAQ
Who founded Coinbase Business?
Coinbase Business is a Coinbase product. Coinbase was founded by Brian Armstrong and Fred Ehrsam. Armstrong is a former Airbnb engineer who participated in Y Combinator, while Ehrsam is a former Goldman Sachs trader.
How much does Coinbase Business charge for crypto payments?
Coinbase Business charges a fee on each completed payment, with the current amount shown inside the business account. There is no application fee, and USDC-to-USD auto-conversion also carries a fee.
Does Coinbase Business require business verification?
Yes, Coinbase Business uses business verification, or KYB, as part of its onboarding and compliance process. Coinbase says it runs programmatic KYC and KYB and holds 80+ licenses.
Is Coinbase Business safe for holding merchant funds?
Coinbase Business includes transaction monitoring and sanctions screening to detect suspicious activity and prevent prohibited transactions. The account is hosted and custody remains with Coinbase rather than the merchant.
How many crypto assets does Coinbase Business support?
Coinbase Business supports 200+ crypto assets for trading and custody.
Does Coinbase Business support invoices and payment links?
Yes, Coinbase Business lets merchants create and manage invoices and share payment links. It also provides checkout tools and real-time webhooks.
Latest from Coinbase Business on X
Perps trade 24/7. Now, so can your agent.
Global derivatives, powered by Deribit, are live for eligible traders on Coinbase for Agents.
Connect your Coinbase account to your favorite AI platform to research markets, create strategies, & place trades all within your limits. https://t.co/kd9ES7eOea
Global derivatives, powered by Deribit, are live for eligible traders on Coinbase for Agents.
Connect your Coinbase account to your favorite AI platform to research markets, create strategies, & place trades all within your limits. https://t.co/kd9ES7eOea
16 years of orange. https://t.co/ZZ3pBpzjBU
Here's how you could win up to $2M while sleeping.
Step 1) Set up an agent on Coinbase
Step 2) Register for our global trading competition
Step 3) Let it trade from Nov 4 https://t.co/YfO3vDtLER
Step 1) Set up an agent on Coinbase
Step 2) Register for our global trading competition
Step 3) Let it trade from Nov 4 https://t.co/YfO3vDtLER
Election maps show up after the votes are counted.
This one didn't feel like waiting.
See which party is projected to win with the Coinbase Midterms Dashboard.
This one didn't feel like waiting.
See which party is projected to win with the Coinbase Midterms Dashboard.
Recent public posts from @coinbase, shown as published. Not reviewed or endorsed by CryptoReview.
Alternatives to Coinbase Business
Enterprise crypto payment gateway and wallet infrastructure supporting over 350 digital assets
Crypto · Stablecoins +2InvoicingSettle in stablecoins
Open-source, self-hosted Bitcoin and Lightning payment processor charging 0% processing fees
CryptoInvoicingRecurring payments
Crypto payment gateway processing over $300M annually with zero-fee options and fiat settlement
Crypto · Fiat +1InvoicingRecurring payments
Digital asset payment gateway with 99+ assets and 0% conversion or custody fees on payouts
Crypto · Stablecoins +2Point of saleSettle in stablecoins
Crypto payment gateway supporting 350+ assets with a 1% starting fee
Crypto · Stablecoins +2InvoicingRecurring payments
Crypto payment gateway with 1% processing and MiCA licensing since 2025
Crypto · Stablecoins +2InvoicingRecurring payments