On October 14, 2025, Coinbase implemented a significant increase in the spending limit for its debit card, raising the default cap to $5,000 for all users. This change is part of a broader strategy to make cryptocurrencies more practical for everyday financial activities and to encourage mainstream adoption. The company is also planning to introduce a tiered, risk-based system that will allow low-risk clients to have spending limits of up to $100,000 by mid-2026. This initiative, announced by CEO Brian Armstrong, is a direct response to user feedback requesting higher limits. Analysts suggest that by increasing these limits, Coinbase is aligning its services more closely with traditional banking, which could help normalize the use of crypto for regular transactions.