Coinbase Business

Coinbase Business — the stablecoin payments arm of Coinbase — is the managed stablecoin payments infrastructure powering some of the world’s largest PSPs and enterprises (Checkout.com, PPRO, Nium, dlocal, Deel, Shopify, Moov, PNC). Built on Coinbase’s regulated, institutional-grade custody and settlement rails, it lets businesses accept stablecoins at checkout, run cross-border payouts and remittance, manage treasury, offer regulated end-customer experiences and accept agentic payments — all from one provider, in one API.

Every layer of the stack is managed for you: infrastructure (broad fiat, crypto, stablecoin, network and geographic coverage), stablecoins (USDC — the world’s most regulated stablecoin — plus USDT, PYUSD and local-currency stablecoins), settlement (multichain by design, led by Base, Coinbase’s purpose-built Ethereum L2) and custody (the same regulated foundation trusted by leading spot ETF issuers, with 14 years of operations and zero asset losses).

Compliance is delivered as a service: Coinbase holds 80+ licenses and runs programmatic KYC and KYB at enterprise scale, so you inherit the regulatory footprint instead of building one from scratch — ideal for launching in regulated markets fast.

Two differentiators set Coinbase Business apart. The merchant checkout modal is designed and tested against traditional-checkout conversion benchmarks — native-feeling, completes in seconds, works with any customer wallet. And x402 — a native HTTP-402 payment-discovery layer — lets businesses accept agent-driven micropayments and consumers fund agent wallets, now powering Amazon Bedrock AgentCore Payments.

Best for: fintechs, PSPs, marketplaces and enterprises that want regulated stablecoin checkout + global payouts + agentic commerce on Coinbase’s trusted rails — with optional custom-branded stablecoin issuance via Stablecoin-as-a-Service.

Coinbase Business is enterprise infrastructure — pricing is volume-based and custom-negotiated for managed payments, with a ~1% processing fee for standard stablecoin checkout and reductions at scale. Commercial terms are set during the sales-led onboarding via Coinbase Developer Platform.

Cost model

• Acceptance fee — typically ~1% per stablecoin checkout transaction; reductions for high-volume PSPs and enterprises.
• Payouts — percentage / basis-point fee on cross-border remittance + payouts, custom-negotiated.
• Stablecoin-as-a-Service — bespoke commercial terms for issuing your own branded stablecoin.
• Network fees — Base L2 is sub-cent; legacy L1 gas may apply for non-Base flows.
• Fiat on/off-ramp — conversion spread applies, passed through Coinbase’s regulated exchange rails.

Settlement

• Multichain by design, led by Base — sub-second, sub-cent on Base L2.
• Daily fiat settlement available to your bank account in supported regimes.
• Institutional custody — 14 years of operations, institutional-scale volume, zero asset losses.

Bundled vs. unbundled

• Choose the full managed-payments suite (acceptance + deposits + payouts + treasury + ramps) or just the modules you need — one contract, one API.

Complete payments APIs, one platform

• Payment acceptance — stablecoin checkout that converts.
• Deposits — on-ramp flows for end customers.
• Payouts — cross-border remittances and disbursements.
• Treasury management — manage balances, FX and settlement.
• Fiat on/off ramps — move between fiat and stablecoins on Coinbase rails.

Merchant checkout built to convert

• Add stablecoin payments to your existing flow without rebuilding it.
• Acceptance modal feels native to your site and completes in seconds.
• Works for any customer with a wallet.
• Designed and tested against the conversion benchmarks of traditional checkout.

Agentic payments — x402 native

• x402 is the HTTP-402 payment-discovery layer enabling agentic transactions.
• Businesses accept payments via x402; consumers can fund a wallet so their agent can transact on their behalf.
• Natively integrated into Amazon Bedrock AgentCore Payments for AWS developers deploying agents that discover, make micropayments and use services.

Every layer of the stack managed

• Infrastructure — broad fiat, crypto, stablecoin, network and geographic coverage with integrated agentic capabilities.
• Stablecoins — USDC, USDT, PYUSD and an expanding global footprint.
• Settlement — multichain by design, led by Base.
• Custody — institutional-grade regulated foundation — the same rails trusted by leading spot ETF issuers.

Compliance as a service

• 80+ licenses held by Coinbase, inherited by integrating businesses.
• Programmatic KYC and KYB run at enterprise scale.
• Launch in regulated markets without building a compliance program from scratch.

Custom stablecoins

• Turnkey Stablecoin-as-a-Service to launch your own branded stablecoin.
• Co-creator and largest distributor of USDC — nearly $20 B held on platform.
• Local-currency stablecoin issuance for regionally scoped products.