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Coinbase to levy 0.1% fee for USDC to US dollar swaps over $5M

2025-08-07 07:00:24

Main Idea

Coinbase will introduce a 0.1% fee for USDC to USD conversions exceeding $5 million in a 30-day period, following revenue shortfalls, while also adjusting its fee structure for larger conversions.

Key Points

1. Coinbase will charge a 0.1% fee for USDC to USD conversions over $5 million starting Aug. 13, with fees scaling up to 0.2% for conversions above $200 million.

2. The decision follows Coinbase's second-quarter revenue miss, where stablecoin-related revenue rose 12% year-on-year to $332 million.

3. Coinbase's senior product manager described the fee as an experiment to understand the impact on USDC off-ramping, while acknowledging user feedback.

4. Some speculate the fee aims to deter arbitrage strategies involving Tether (USDT) to USDC conversions, which could reduce USDC supply.

5. Coinbase's stock dropped 8% after reporting Q2 earnings, with revenue missing analyst expectations at $1.5 billion versus the projected $1.56–$1.59 billion range.

Description

Coinbase will soon lower the fee-free benefit of USDC to US dollar conversions to $5 million as the exchange has missed revenue expectations for two quarters running.

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