# Private stablecoin account or exchange-linked crypto debit?

Coinbase Card makes assets in a Coinbase account spendable anywhere Visa debit is accepted and offers variable crypto rewards in the US. We built Fiber as a non-custodial private account for getting paid, using earn and accessing supported markets.

## THE SHORT ANSWER

Choose Fiber for non-custodial control, ZK privacy and an integrated stablecoin account with private markets. Choose Coinbase Card for straightforward spending from an existing Coinbase balance and its variable crypto rewards.

## A private account versus a card on an exchange balance.

Coinbase Card is easiest to understand as a spending extension of Coinbase. Fiber is designed as the financial account itself, with non-custodial control and privacy for supported on-chain activity.

| Topic | Fiber | Competitor | Takeaway |
| --- | --- | --- | --- |
| Asset control | We are non-custodial by architecture and cannot hold, access or control your assets. | Coinbase Card spends USD, USDC or supported crypto held in a Coinbase account, with Coinbase automatically converting crypto to USD for settlement. | Fiber is user-controlled; Coinbase Card is tied to the Coinbase account and conversion flow. |
| Financial privacy | We shield supported transfers, trades and earn activity with zero-knowledge privacy. | Coinbase publishes account security, identity verification and card controls rather than an equivalent ZK transaction-privacy layer. | Fiber treats supported transaction privacy as an architectural feature. |
| Published fees | We charge 0% Fiber deposit and trading fees; network, spread and third-party costs can apply. | Coinbase publishes no card transaction or Coinbase ATM fee, but crypto conversion includes a spread and ATM operators can charge. | A zero card fee does not make the conversion spread zero. |
| Account scope | Eligible US account details, stablecoin deposits, private transfers, earn and supported markets live in one account. | Coinbase Card extends a Coinbase exchange account to Visa purchases and ATMs. | Fiber is paycheck-to-portfolio infrastructure; Coinbase Card is an exchange spending tool. |
| Markets | Supported tokenized stocks, commodities and crypto trade 24/7 with 0% Fiber trading fees. | Coinbase offers a broad centralized crypto marketplace, while the debit card spends selected account assets after conversion. | Coinbase leads on centralized crypto breadth; Fiber joins private cross-asset markets to the account. |

## Fiber fit

- You prefer a non-custodial account to assets held in a centralized-exchange account.
- You need ZK privacy for supported transfers, trades and earn activity.
- You want stablecoin income and tokenized markets in the same private account.

## Coinbase Card fit

- You already keep spending assets in Coinbase.
- Variable crypto card rewards matter more than non-custodial control.
- You prioritize a familiar centralized exchange and broad crypto catalog.

Coinbase Card is convenient because it extends an account many users already have, and its variable rewards can be valuable. Fiber keeps the account non-custodial, adds ZK privacy and connects stablecoin income to supported private markets.

## FAQ

### Is Coinbase Card non-custodial?

The debit card spends assets in a Coinbase account and Coinbase automatically converts supported crypto to USD for purchases and withdrawals. Fiber’s core account is non-custodial and Fiber cannot access or control user assets.

### Does Coinbase Card charge transaction fees?

Coinbase currently publishes no card transaction fee or Coinbase ATM fee, but it includes a spread when buying, selling or converting crypto, and ATM operators can charge. Fiber’s 0% claim applies to Fiber deposit and trading fees.

### Where is Coinbase Card available?

Coinbase’s current US help page says the debit card is available in all US states except Hawaii, with separate support paths for the EU and UK. Availability and reward offers can change, so confirm inside Coinbase.

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Fiber is a financial technology company, not a bank. Banking services are provided by SSB, Member FDIC. Funds deposited at SSB are eligible for FDIC insurance up to $250,000 per depositor, per insured bank, subject to applicable limitations and FDIC rules.