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El Coinbase Institute es la fuente más fiable de investigación sobre políticas en la criptoeconomía mundial. Nuestro trabajo respalda políticas sólidas, fomenta la innovación y ayuda a promover la libertad económica a nivel mundial.
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From the Unbanked to the Unbrokered:
Unlocking Wealth Creation for the World
For decades, income growth from capital has dramatically outpaced that from labor, but capital ownership remains a privilege of the few. We must bridge this divide by transitioning from the current system that excludes the majority to one that empowers them. The solution lies in the convergence of technology and policy. By harnessing the transformational potential of tokenization and open blockchains, we unlock global markets for billions of savers and those wishing to raise capital. When the barriers of traditional financial infrastructure disappear, access to investment opportunities becomes as normal as owning a phone. This allows ordinary people to finally capture the upside from innovation and economic growth. This is how we narrow the capital chasm and increase economic freedom.
January 19, 2026
Read time: 3 min (executive summary) - 35 min (whole document)
CLARITY: Protecting Consumers and Investors
The CLARITY Act replaces "regulation by enforcement" with consumer protection by default, establishing five baseline protections that apply uniformly to every federally regulated digital asset platform: segregation of customer assets, bans on conflicts of interest, mandatory public disclosures, a dedicated retail advocate, and strong identity and anti–money laundering controls to address cyber-theft and scams. Together, they give American consumers a level of safeguard comparable to what they already expect in traditional financial markets
CLARITY: Integrating the Security and Commodity Frameworks
Digital assets evolve. Many begin as securities-like capital raises and mature into decentralized, commodity-like networks, fitting cleanly in neither the securities nor the commodities regime, leaving issuers unsure which regulator applies and investors with uneven protections. The CLARITY Act replaces that static test with a single lifecycle-based framework that defines digital assets at each stage and brings issuers and intermediaries under harmonized SEC–CFTC oversight. Its six core outcomes—lifecycle jurisdiction, a harmonized intermediary perimeter, market integrity protections, a fortified illicit-finance perimeter, developer safe harbors, and sustainable agency funding—aim to deliver regulatory clarity, investor protection, and durable innovation
Defensa de Coinbase
Obtén más información sobre lo que Coinbase está haciendo para colaborar con los reguladores de todo el mundo y únete a la conversación para dar forma al futuro de las finanzas.
Estados Unidos
Nuestra colaboración con los reguladores y el Congreso de EE. UU., incluyendo la presentación de testimonios y las respuestas a consultas.
Internacional
Nuestras respuestas a los reguladores globales sobre las normas y políticas propuestas para las criptomonedas.
Blog de política
Perspectivas que invitan a la reflexión sobre las últimas tendencias y desarrollos en la política de criptomonedas.
Users in four states have missed out on an estimated $100M+ in less than two years
Regulators in California, New Jersey, Maryland, and Wisconsin issued misguided cease-and-desist orders in June 2023 prohibiting Coinbase users from staking additional assets. Coinbase is permitted to offer its staking services in nearly every other state. Users in these four states should be permitted to stake, too.
Tu voz importa. Únete a Stand With Crypto.
Coinbase se asocia con Stand with Crypto, un movimiento que moviliza a 52 millones de estadounidenses, para exigir a los políticos normas sensatas para las cripto. Nuestra fuerza reside en el número. Únete a la lucha para defender el futuro de las cripto.
