Coinbase has officially implemented new spending limits for its debit card, effective October 14, 2025. The company has set a new default spending cap of $5,000 for all users. In a move to further mainstream the use of cryptocurrency for payments, Coinbase is also introducing a risk-based tier system. This new model will allow selected clients who are considered low-risk to have access to higher spending limits, potentially up to $100,000, which are expected to be phased in by mid-2026. The decision to increase the spending caps is seen as a direct response to growing customer demand for more flexibility in using digital assets for both everyday purchases and larger transactions. Analysts suggest that while higher limits could lead to increased adoption, they also necessitate more sophisticated risk management and fraud prevention measures.