Coinbase Wallet (formerly Base app) Review (October 2026): Fees, US States and Licenses

Best for: Coinbase account holders

6.2/10

US access 20%9.0
Regulation 20%3.0
Security record 15%7.0
Cost 15%5.0
Range 10%4.5
Popularity 15%7.9
Data quality 5%7.0

By Vahe Hakobyan Verified October 5, 2026 Medium confidence No affiliate links

Taker fee— Not verified
US states— Not verified
New York— Not verified
Coins— Not verified
CustodyNon-custodial
App Store4.6 ★ · 161K

Our verdict

Coinbase Wallet is the self-custody wallet from Coinbase; it was rebranded Base app in July 2025, and the official site and help center again use the Coinbase Wallet name as of October 2026. It supports 12 preconfigured networks, purchases by debit card, Apple Pay or a linked Coinbase account, and USDC rewards for eligible US users.

Pros

Buy with debit card or Apple Pay without a Coinbase account
USDC rewards up to 3.35% APY for eligible US users
Twelve preconfigured networks including Bitcoin and Solana

Cons

Swap fee percentage not published on pages reviewed
Bank-account purchases need a linked Coinbase account
Product name changed twice since July 2025

Coinbase Wallet (formerly Base app) fees

Maker / taker: — Not verified
Simple buy: Fees shown at checkout; debit card or bank account via a linked Coinbase account, or debit card / Apple Pay without one
Volume tiers: Swaps: Base charges a fee of up to 1%, plus any DEX aggregator fee and network fees
ACH deposit: — Not verified
Wire deposit: — Not verified
Card purchase: — Not verified
USD withdrawal: — Not verified
Crypto withdrawal: Network fee only
Minimum deposit: — Not verified

Is Coinbase Wallet (formerly Base app) available in my state?

base.app (fetched 2026-10-05) offers USDC rewards to eligible U.S. users who link a Coinbase account.

The list of states this platform serves is not verified yet.

New York: — Not verified
ID check (KYC): No
Withdraw crypto: Yes
Funding: Debit card, Bank account (via linked Coinbase account), Apple Pay, Crypto

Is Coinbase Wallet (formerly Base app) regulated?

NASDAQ: COIN

US operator: — Not verified
Parent company: Coinbase Global, Inc. (NASDAQ: COIN)
State licenses: — Not verified
New York license: — Not verified
Founded: — Not verified
Headquarters: — Not verified

How secure is Coinbase Wallet (formerly Base app)?

Proof of reserves: N/A (non-custodial)
Audits: — Not verified
Insurance: — Not verified

Incidents since 2019

None found in the sources checked.

Crypto held on a platform is not covered by FDIC or SIPC insurance.

What you can do on Coinbase Wallet (formerly Base app)

Spot
Earn
Self-custody wallet

Site advertises trading of crypto, stocks, commodities, predictions and perps plus limit orders; US eligibility per product not verified. USDC rewards up to 3.35% APY for eligible US users with a linked Coinbase account (rate set by Coinbase, subject to change).

Apps: Web, iOS, Android
Support: Help center

Coinbase Wallet (formerly Base app) FAQ

What are Coinbase Wallet's fees?

Simple buy: Fees shown at checkout; debit card or bank account via a linked Coinbase account, or debit card / Apple Pay without one.

Is Coinbase Wallet regulated in the US?

Registrations and licenses on record: NASDAQ: COIN.

Can I withdraw crypto from Coinbase Wallet to my own wallet?

Yes. Coinbase Wallet lets US users send crypto to an external wallet.

Does Coinbase Wallet require ID verification?

No account or ID check is needed for on-chain swaps on Coinbase Wallet.

Alternatives to Coinbase Wallet (formerly Base app)

Not financial advice. Crypto prices are volatile and you can lose everything you put in. World-Crypt earns nothing from the platforms reviewed here.