Coinbase Raises Debit Card Limit to $100K, Accelerating Crypto Adoption

Coinbase to increase debit card spending limits by 5x, big push towards mainstream crypto adoption. Starting Oct 14...

Written by: Arslan Butt • Monday, October 13, 2025 • 1 min read

• Last updated: Monday, October 13, 2025

Quick overview

Coinbase is increasing debit card spending limits by up to 5x, starting with $5,000 for all users on Oct 14.
The new tiered system allows low-risk clients to access limits of up to $100,000 by mid-2026.
This change aims to enhance mainstream crypto adoption by making digital assets more practical for everyday transactions.
Coinbase's strategic shift to a risk-based system balances flexibility for high volume traders with necessary regulatory compliance.

Coinbase to increase debit card spending limits by 5x, big push towards mainstream crypto adoption. Starting Oct 14, all users will be tested at $5,000 limits, with low-risk clients potentially reaching $10,000 and up to $100,000 by mid 2026.

CEO Brian Armstrong announced on X, saying it’s in response to user feedback. Previously, Coinbase had a uniform $2,500 debit card limit, but the new tiered system will accommodate different risk profiles and spending needs for high volume traders and everyday users.

Testing $5K limits for all users beginning Oct 14
Tiered limits up to $100K planned for low-risk clients
Responds to growing demand for flexible crypto payments

Mainstream Payments and Crypto Adoption

Analysts see Coinbase’s increase in debit card limits as a move to bring cryptocurrency services in line with traditional banking. By allowing higher daily spending, the company is making digital assets more practical for everyday transactions, from online shopping to in-person payments.

It could accelerate adoption by reducing friction in crypto spending. Advocates say higher limits help normalize crypto usage, while critics argue that increasing limits requires sophisticated risk management and compliance to prevent misuse.

Makes crypto usable for everyday purchases
Encourages adoption among mainstream users
Balances flexibility with regulatory compliance

Tiered Limits Mean Strategic Shift

Coinbase’s tiered approach is a strategic move from one-size-fits-all spending limits to a risk-based system. By offering higher limits to trusted clients, the company can serve high volume traders without exposing the broader user base to more risk.

It’s part of a broader plan to make the platform more usable and trusted by cryptocurrency holders. As digital assets become more mainstream in finance, Coinbase’s move shows the growing intersection of traditional financial infrastructure and the blockchain.

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ABOUT THE AUTHOR See More

Arslan Butt

Lead Markets Analyst – Multi-Asset (FX, Commodities, Crypto)

Arslan Butt serves as the Lead Commodities and Indices Analyst, bringing a wealth of expertise to the field. With an MBA in Behavioral Finance and active progress towards a Ph.D., Arslan possesses a deep understanding of market dynamics. His professional journey includes a significant role as a senior analyst at a leading brokerage firm, complementing his extensive experience as a market analyst and day trader. Adept in educating others, Arslan has a commendable track record as an instructor and public speaker. His incisive analyses, particularly within the realms of cryptocurrency and forex markets, are showcased across esteemed financial publications such as ForexCrunch, InsideBitcoins, and EconomyWatch, solidifying his reputation in the financial community.