10-Q, Member Exclusive

How Coinbase is putting a crypto spin on old-school finance

  • Coinbase, once a Silicon Valley outsider pitching crypto as an alternative to the banking system, is now doing business with the very institutions it was supposed to 'disrupt'.
  • The roles are shifting: banks are moving closer to the chain, and Coinbase is evolving beyond being just a crypto trading platform.
close

Email a Friend

How Coinbase is putting a crypto spin on old-school finance

    For banks, it’s a way to modernize without blowing up the ‘trust’ model


    Coinbase, once a Silicon Valley outsider pitching crypto as an alternative to the banking system, is now doing business with the very institutions it was supposed to disrupt.

    In recent weeks, two of the most prominent names in American finance — PNC and J.P. Morgan — have formally partnered with the exchange. It’s not a headline grab so much as a quiet redrawing of boundaries. The roles are shifting: banks are moving closer to the chain, and Coinbase is evolving beyond being just a crypto trading platform.

    The partnerships, while distinct in purpose, point to the same broader trend: crypto is no longer relegated to the kids’ table. PNC is using Coinbase to bring crypto access directly into its digital banking experience. J.P. Morgan is embedding Coinbase integrations into consumer rewards and funding flows, and piloting tokenized deposit infrastructure on Coinbase’s Base chain. 

    We explore the specifics of each partnership.

    Coinbase and PNC: From branches to blockchains


    subscription wall for TS Pro

    0 comments on “How Coinbase is putting a crypto spin on old-school finance”

    Member Exclusive, SMB Finance

    Why banks’ trusted-advisor pitch isn’t landing with SMBs right now

    • For small business owners, banks still have a long way to go: just 7% view their bank as a true strategic partner, according to Grasshopper Bank’s recent survey.
    • A major problem, says Grasshopper's Danielle Kane, is that many banks still see small-business banking as a product category rather than an operating environment with distinct needs.
    Sara Khairi | August 13, 2026
    Member Exclusive, New banks, Policies & Playbooks

    Fintechs want to become banks. Bunq just found out what the OCC expects in return.

    • For fintechs seeking U.S. bank charters, the OCC is asking: Do the management, capital, risk, and compliance infrastructure hold up? And is the institution ready to operate as a bank, not just alongside one?
    • The OCC may be widening the path to a charter, but it’s also raising the bar for proving readiness.
    Sara Khairi | August 12, 2026
    10-Q, Member Exclusive

    Forget the earnings. Watch where these fintechs are placing their bets.

    • Chime, Block, and Circle each used the quarter to make the case for where fintech’s next moat will be built.
    • Chime is finding a lending advantage in the direct-deposit relationship, Block is rebuilding around AI, and Circle is betting that the bigger opportunity lies in owning the infrastructure beneath stablecoins.
    Sara Khairi | August 10, 2026
    Member Exclusive, Opinion

    Have we mistaken ChatGPT-like LLMs and AI agents for the whole transformation?

    • The industry is increasingly asking: What needs to surround AI before we can trust it?
    • AI needs four things to work well in financial services: data, context, governance, and human oversight. The first two sharpen its intelligence; the latter two make it trustworthy.
    Sara Khairi | August 07, 2026
    Banking, Member Exclusive

    How banks have stopped thinking in products and started thinking in customer journeys

    • As banks weave AI into their customer experiences, many are looking for ways to translate years of customer data into a more complete picture of each customer's needs and context.
    • The difference isn't the data itself, but how well a bank makes sense of a customer's context and goals and builds the right response around that.
    Sara Khairi | August 06, 2026
    More Articles