Announcing CDP Embedded Wallets Beta: Build the Future of Payments

We are launching CDP Embedded Wallets in beta, providing wallet creation, onramps, swaps, and 4.1% USDC rewards through a unified set of APIs. The SDK is built on and leverages the same core security and infrastructure as Coinbase's trading products. Embedded Wallets are available at no cost exclusively for Coinbase Onramp customers until September 30.

Building a great onchain app just got a lot simpler. 

Coinbase Developer Platform (CDP) is launching Embedded Wallets in beta, giving every developer access to the same secure, scalable infrastructure that powers millions of accounts on Coinbase.

There’s never been a better time to launch. With GENIUS and CLARITY laying the regulatory foundation, developers are moving fast on stablecoin-native rails – unlocking global reach, lower costs, and programmable logic that go beyond conventional payment systems. 

CDP Embedded Wallets let you tap into that momentum, making it easy to build global, user-first apps that move money across EVM chains and Solana. Monetize idle balances with 4.1% USDC rewards, power creator economies with seamless payouts, or build gaming platforms where digital assets just work. From DeFi to social, CDP Embedded Wallets help developers build better and ship faster.

Smooth onchain UX shouldn’t require stitching together fragmented APIs. CDP Embedded Wallets solve this with seamless, web2-style logins – email, SMS, and OAuth – with no seed phrases required. 

That’s exactly the experience users get in apps like Stable Genius, where signing up is as simple as entering an email – no extensions, no seed phrases, no crypto setup. Behind the scenes, developers use CDP to provision secure, self-custodied wallets with just a few lines of code. From there, they can easily layer in onramps, swaps, and more – all supported across EVM chains and Solana, and all powered by CDP.

Here’s what sets us apart:

• Unmatched Trust: Access the same mission-critical infrastructure Coinbase uses to power millions of secure, self-custodied wallets worldwide.

• World-Class Security: Powered by the CDP Security Suite – a hardened stack that isolates crypto operations, secures keys in TEEs, and enforces flexible, developer-defined policies. 

• Unified Developer Toolkit: Connect seamlessly to Coinbase Onramp and CDP APIs to handle transfers, trades, swaps, balances, staking, and rewards – all from a single stack. Cut dev time, reduce complexity, and ship faster.

• Native USDC Rewards: Earn 4.1% on all balances held in CDP Wallets – unlocking new revenue streams and retention levers. Create secure, brandable wallets in under 200ms with just a few lines of code.

Imagine a remittance app where a user in London onramps GBP to USDC via Coinbase Onramp into a CDP Embedded Wallet, and sends it to Manila instantly. All of this takes place within a sleek, fully customized interface – authenticated once with an email OTP. This white-labeled flow – from onramp to self-custody wallet – is a seamless experience only possible with Coinbase Developer Platform, eliminating the friction of separate logins required by other providers.

This vision is already a reality for companies like Zylu, a remittance platform using Embedded Wallets and Base to power instant, low-cost cross-border payments. And it’s just one of many ways developers are embedding stablecoin-powered flows into their apps. 

Another example is StableLink – a demo app that shows how developers can add a payment link to any app or site, allowing users to send tips or donations via Apple Pay. With just an email, a secure wallet is created on the fly, and users donate in fiat using Coinbase Onramp – while the developer receives USDC, no crypto setup required.

Other use cases include:

• DeFi Marketplaces: Build platforms with native token swaps on EVM and Solana, and benefit from built-in USDC rewards.

• B2B Payroll: Let businesses pay global contractors in USDC instantly, while earning rewards on idle balances. Automate invoicing, settlements, and transaction tracking.

• Creator Economies: Platforms like CreatorFi use Embedded Wallets to give creators stablecoin payouts, monetization tools, and onchain access, without the wallet complexity.

• Gaming Platforms: Power in-game economies or NFT trading with branded embedded wallets, complete with staking and free USDC sends on Base for seamless in-game purchases.

“Creators don’t want to think about wallets; they want to get paid, build community, and create cool stuff. CDP Embedded Wallets handle the technical, complicated parts so we can focus on what matters: building the future of onchain creativity. It’s a game-changer for building CreatorFi tools that feel intuitive and just work.” –Billy Huang, Co-Founder at Insomnia Labs

These use cases – and more – are brought to life in our developer learning resources. They show how Embedded Wallets abstract away backend complexity like key management, while unlocking high-performance, secure onchain flows.

Want to add embedded wallets to your app with a single CLI call? Just run:

npm create @coinbase/cdp-app

This spins up a secure, self-custodied wallet tied to an email in under 200ms. Wallet keys are managed in TEEs that even Coinbase can’t access. 

Check out our Embedded Wallet docs for more advanced flows, like:

• Transferring tokens between wallets

• Performing onchain swaps with the integrated Trade API

• Building custom, branded UI experiences

To celebrate our beta launch, we’re offering CDP Embedded Wallets at no cost exclusively to Coinbase Onramp customers until September 30, 2025. Start building with seamless onboarding, stablecoin payments, and built-in monetization – at no extra cost and backed by Coinbase’s trusted technology and security.

The race to shape the future on onchain commerce is on. Dive into our docs, try the StableLink demo, join our Discord, or tag @coinbasedev on X. 

Let’s build the future of money together.

Disclaimer: Upon purchase of USDC, you will be automatically opted in to rewards. If you’d like to opt out or learn more about rewards, you can click here. The rewards rate is subject to change and may vary by region. Please check the latest list of eligible regions here. Customers will be able to see the latest applicable rates directly within their accounts.