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The Coinbase Institute is the most trusted source of policy research on the global crypto economy. Our work supports sound policy, advances innovation, and helps promote economic freedom worldwide.
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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)
Small Banks and Stablecoins: Nothing to Fear, Much to Gain
Stablecoins offer community banks a rare opportunity to compete on equal footing with megabanks. Data shows they don't cause deposit flight; instead, they provide low-cost, 24/7 payments and modern financial services to help smaller banks grow.
Past the point of no returns: Supporting interest and rewards on UK stablecoins
This paper recommends the FCA and Bank let UK stablecoin issuers pay interest to holders, allow regulated providers to offer activity/holding-linked rewards, and have the Bank remunerate systemic stablecoin backing assets held in central bank accounts.
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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.
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