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O Coinbase Institute é a fonte mais fiável de pesquisa de políticas sobre a economia cripto global. O nosso trabalho apoia políticas sólidas, promove a inovação e contribui para a promoção da liberdade económica em todo o mundo.
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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 are a once-in-a-generation opportunity for community and regional banks to compete on an equal footing with larger banks on payments and programmable financial services, offering 24/7, low-cost, cross-border money movement and serving as the cash leg for tokenized capital markets. And the widely voiced worry that they will drain local deposits simply doesn't hold up: multiple independent studies and Coinbase's own data find no meaningful link between stablecoin growth and community-bank outflows. As tokenized assets scale, stablecoins are more likely to complement than substitute for a bank’s core services. For small banks, the real story is opportunity.
Past the point of no returns: Supporting interest and rewards on UK stablecoins
This paper argues that the FCA and Bank of England’s proposed prohibition on offering interest and rewards for UK-regulated stablecoins is misguided and counterproductive, as it suppresses financial innovation while stifling competition in the domestic savings market. Rather than turning stablecoins into high-risk investments, the authors contend that allowing remuneration—consistent with the treatment of other payment instruments like bank accounts—would actually enhance the utility of stablecoins as a store of value, support the UK’s monetary policy transmission, and help secure the international competitiveness of sterling in a global digital asset market.
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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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