Coinbase announced a comprehensive expansion of its financial services, introducing tokenized U.S. equities, Bitcoin‑backed mortgage collateral, and a suite of novel derivatives for investors.
Tokenized Stocks and Investor Benefits
Coinbase will enable non‑U.S. customers to trade tokenized shares of American companies beginning next month. Each token maintains a 1:1 backing with the underlying stock, grants full shareholder rights, and distributes dividends directly to token holders.
Investors can also lend their tokenized shares to generate yield or pledge them as collateral for further trading activities. Regulatory disclosures restrict U.S. residents from accessing this product line.
Mortgage Lending Powered by Bitcoin
In partnership with Better, Coinbase now accepts Bitcoin as collateral for home mortgage applications, with Fannie Mae providing the underlying loan guarantee. This structure allows borrowers to retain ownership of their BTC while qualifying for a mortgage.
Customers pledge Bitcoin without liquidating the asset, preserving exposure to potential price appreciation in the crypto market.
Pre‑IPO Futures and Index Derivatives
Traders can trade perpetual futures tied to pre‑IPO valuations, starting with SpaceX and soon expanding to include Anthropic and OpenAI. These contracts give market participants early exposure to private‑company price movements.
Coinbase also launched equity index perpetual futures that track thematic sectors such as artificial intelligence, China, defense, and the Tech 100, all listed on a U.S. regulated exchange. Options for both crypto assets and equities are slated for release in the near future.
AI‑Driven Advisory Services
Coinbase introduced Coinbase Advisor, an SEC‑registered, AI‑powered in‑app investment advisor. The service holds Commodity Trading Advisor status with the NFA and operates as a Registered Investment Advisor.
Investors can leverage the tool to receive algorithmic recommendations across the expanded product suite, enhancing decision‑making within the broader blockchain and crypto ecosystem.