Coinbase launched an SEC-registered AI investment adviser inside its app Tuesday, rolling it out to Coinbase One members in the United States. The SEC credential puts it in a different regulatory category than an exchange: it can now legally advise users on what to buy, hold, or sell.
Coinbase Advisor handles tax-loss harvesting, portfolio recommendations, and converts breaking news into multi-asset trade ideas. It can’t act without explicit user approval on every step.
The adviser is one piece of a broad system update announced Tuesday. Tokenized stocks are coming for non-U.S. customers next month. Options trading on crypto and stocks follows in the coming months. Users can already transfer portfolios from other platforms, access equities on Coinbase Advanced with zero commission fees, and trade crypto binaries that bet up or down on Bitcoin within time-boxed windows. A Coinbase One Card Travel Portal pays 5% back in Bitcoin on bookings.
Here’s the structural signal: a platform cleared for personalized securities advice, zero-fee stocks, options, prediction markets, and a developer API for businesses simultaneously is something brokerages haven’t assembled. Coinbase said in May it’s running a multiyear effort to shift away from transaction fees toward recurring revenue less vulnerable to retail crypto sentiment. Pulling in portfolios from competitors and wrapping them in an SEC-registered AI adviser is how that shift converts.
Options launch is slated for this summer.
Marcus Webb