Coinbase Business Account in 2026

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Managing cryptocurrency for your business can be a challenging task. You have to consider compliance, security, payments, and accurate bookkeeping simultaneously. Traditional tools simply aren’t designed for corporate crypto management. 

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Without the proper setup, your company can face high fees, accounting gaps, and compliance risks. According to Backlinko, Coinbase reached 8.7 million monthly transacting users in 2025, making it one of the most trusted platforms for institutional crypto adoption. Yet many businesses still struggle to leverage what it offers fully. 

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In this step-by-step guide, you’ll learn what a Coinbase Business account is, its key features, fees, requirements, and how to open one successfully. 

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What Is a Coinbase Business Account? 

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A Coinbase Business account is a professional crypto platform designed for companies, LLCs, and institutions that need a secure and compliant way to manage digital assets.  

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Unlike personal accounts meant for individual investors, it’s built for organizational use, offering tools for compliance, accounting, payments, and team management. 

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With a Coinbase Business account, your company can buy, sell, store, and send cryptocurrencies, as well as accept crypto payments, integrate crypto into your financial systems, manage multiple wallets, and trade at scale through Coinbase’s institutional services. 

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Pros and Cons of a Coinbase Business Account 

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Upsides	Drawbacks
High security standards with cold storage, 2FA, and institutional-grade protection.	Higher fees compared to some other crypto platforms.
Built-in compliance tools that simplify KYC and regulatory compliance.	Supports multiple users, enabling teams to collaborate on managing assets together.
Supports multiple users, allowing teams to manage assets together.	Limited availability in certain countries or regions.
Easy integration with accounting tools like QuickBooks and Xero.	Fewer customization options for advanced trading strategies.
Trusted brand with a strong reputation for safety and reliability.	Customer support response times may vary based on plan type.

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Coinbase Business Account Features 

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1. Secure Asset Management 

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Coinbase company account uses institutional-grade security to protect company funds. Assets are stored primarily in offline cold storage, protected by multi-signature authorization, two-factor authentication (2FA), and a strong password system. Businesses also benefit from dedicated custodial services that include insurance coverage for stored assets. 

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2. Payment and Transaction Support 

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The platform enables companies to send, receive, and accept crypto payments globally. Businesses can settle payments in fiat currencies to reduce volatility risk and integrate with Coinbase Commerce for seamless checkout and invoicing. 

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3. Integration With Accounting and Analytics Tools 

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Coinbase Business connects directly with leading accounting platforms, including QuickBooks, Xero, and NetSuite, to simplify reconciliation and tax reporting. Users can also export detailed transaction reports and monitor portfolio performance using built-in analytics dashboards. 

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4. Institutional-Grade Trading and Liquidity Access 

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Through Coinbase Prime, businesses gain access to deep liquidity pools, advanced order types, and API trading capabilities. This feature supports large-volume transactions and algorithmic strategies while ensuring compliance with global financial regulations. 

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5. Multi-User and Role-Based Account Management 

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Organizations can add multiple team members under one business account, assigning permissions for viewing, trading, or administration. Each user must enter a verification code when accessing sensitive operations, ensuring greater control and security. 

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Coinbase Business Account Requirements 

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To open a Coinbase Business Account, companies must meet Coinbase’s Know Your Customer (KYC) and Anti-Money Laundering (AML) standards. These requirements ensure that only legitimate, verifiable organizations gain access to institutional crypto services. 

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Here’s what your business will need to provide documents before applying: 

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1. Proof of Legal Business Registration 

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You must provide official documents that demonstrate your company’s legal registration. Acceptable examples include a Certificate of Incorporation, Articles of Organization, or Business License, depending on your jurisdiction. 

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2. Tax Identification Number (EIN or Equivalent) 

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Coinbase requires a valid Employer Identification Number (EIN) for U.S. entities or a national tax ID for international companies. This ensures proper tax reporting and compliance with local regulations. 

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3. Authorized Representative Verification 

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Each business account must have at least one verified representative. Coinbase will request your first and last name, a government-issued ID (e.g., passport or driver’s license), and proof of address to confirm identity. 

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4. Proof of Business Address 

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You’ll need to submit an official document that verifies your company’s registered address, such as a utility bill, bank statement, or lease agreement issued within the last three months. 

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5. Ownership and Control Structure 

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For transparency and AML compliance, Coinbase may request details about ultimate beneficial owners (UBOs), individuals or entities holding 25% or more ownership, as well as information on company directors or executives. 

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Once these documents are submitted, Coinbase’s compliance team reviews them before approving your account. The verification process typically takes a few business days but may vary depending on your company’s location and structure, and may require additional information.  

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How To Open a Coinbase Business Account 

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Opening a Coinbase Business Account is a straightforward process, but you’ll need to have your company documents ready for verification. Follow these simple steps: 

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Step 1: Visit the Official Coinbase Business Page 

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Go to coinbase.com/business and select Get Started or Create Business Account to begin your application. Use your business email and click Proceed to registration.

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Step 2: Enter Your Business Information 

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Fill in the basic company details, including: 

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• Legal business name (must match registration documents); 

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• Country and state of incorporation; 

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• Client type (LLC, corporation, partnership, etc.); 

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• Business address and contact number. 

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Step 3: Upload Required Company Documents 

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Provide all the necessary verification files: 

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• Certificate of Incorporation or Business License; 

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• Tax identification number (EIN or equivalent); 

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• Proof of business address (recent utility bill or bank statement); 

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• Details of beneficial owners and directors. 

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Step 4: Complete Identity Verification 

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Each authorized representative must verify their identity by uploading: 

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• A valid government-issued photo ID (passport, ID card, or driver’s license); 

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• Proof of personal address (bank statement or utility bill); 

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• Coinbase performs this KYC/KYB verification to ensure compliance with AML regulations. 

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Step 5: Configure Payment and Security Settings 

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Once approved, log in to your dashboard and: 

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• Link a business bank account or set up fiat settlement options; 

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• Enable two-factor authentication (2FA) for all users; 

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• Add team members and assign role-based permissions (e.g., Admin, Viewer, or Trader). 

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Step 6: Start Using Your Business Account 

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You can now: 

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• Buy, sell, and hold cryptocurrencies; 

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• Accept crypto payments through Coinbase Commerce; 

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• Access Coinbase Prime for advanced trading and custody solutions. 

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Coinbase Business Account Fees 

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Coinbase Business uses a transparent and flexible pricing model. Fees vary based on your trading volume, region, and the services your company uses. Every trade includes a small spread and transaction fee, typically around 0.5%. Larger or institutional clients may qualify for reduced rates. 

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Withdrawals incur standard network fees for cryptocurrency transfers and additional bank or wire fees for fiat transactions. All costs are displayed before each withdrawal is confirmed. 

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If your company uses Coinbase Prime or Coinbase Custody, fees are usually asset-based or volume-tiered, depending on the size of your portfolio and service requirements. 

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For Coinbase Commerce users, a 1% processing fee applies to each completed payment. 

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There are no setup or maintenance fees to open a Coinbase Business Account. However, total costs depend on how actively your business trades and the tools it integrates.  

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Coinbase Business vs Other Crypto Platforms 

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Platform	Key Advantages	Best For
Coinbase Business	Highly regulated in the U.S., insured custody, easy accounting integrations (QuickBooks, Xero), and secure institutional trading via Coinbase Prime.	Global firms or high-volume traders seeking access to a broad crypto portfolio.
Binance Institutional	Large asset selection, advanced trading tools, and competitive fees. Yet, regulatory clarity varies by region.	Financial institutions and enterprises need trusted custody and regulated access.
Kraken Business	Strong security reputation, transparent fee structure, and robust API tools. Slightly slower onboarding but very compliant in key jurisdictions.	U.S.-regulated, insured custody (Gemini Trust), and ua ser-friendly interface with reliable support.
Gemini Institutional	U.S.-regulated, insured custody (Gemini Trust), and a user-friendly interface with reliable support.	Companies focused on U.S.-based operations and secure crypto custody.

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Coinbase Business Launch & Updates 

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In 2026, Coinbase continued to expand its business and institutional services with several critical updates: 

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• Global Expansion: Coinbase Business became available in new regions, including Singapore, allowing companies to use USDC for international payments. The platform also partnered with Standard Chartered to support SGD deposits and withdrawals. 

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• Enhanced Institutional Tools: The company introduced new API integrations and analytics dashboards designed to simplify reporting, treasury management, and large-scale trading operations. 

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• Market Insights for Enterprises: Coinbase Institutional released its 2025 Crypto Market Outlook, highlighting trends in digital asset adoption, tokenized markets, and institutional custody solutions. 

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• Focus on Global Payments: At the “State of Crypto” event, Coinbase outlined its goal to build a seamless global crypto payment network for businesses of all sizes. 

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These updates reflect Coinbase’s commitment to strengthening its position as a leading platform for compliant, scalable, and enterprise-ready crypto management. 

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FAQ

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Final Thoughts 

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A Coinbase Business account gives companies a secure and compliant way to manage digital assets in 2026. With strong security, accounting integrations, and reliable payment options, it’s built for businesses that value trust and transparency. 

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While fees may be higher than on some platforms, Coinbase’s reputation and institutional tools make it a top choice for organizations seeking to simplify crypto operations and maintain compliance at scale.  

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