Coinbase is stepping further into infrastructure tools for builders, launching a new beta product called ‘Embedded Wallets’ that allows developers to create self-custody crypto wallets directly within their own apps.
With just an email or SMS login, users can access a fully functional wallet with no browser extensions or seed phrases required.
The new tool is part of the Coinbase Developer Platform and is aimed at simplifying crypto onboarding for a wide range of apps, from gaming and social to DeFi and payments.
The product is now available in beta, and Coinbase has waived fees for Onramp customers until 30 September 2025 to boost adoption.
While developers can use Embedded Wallets for any on-chain application, Coinbase is positioning the feature as ideal for building stablecoin-based services.
In a post on X, the exchange wrote:
“The world is adopting stablecoin-native rails which are global, programmable, and lower cost than conventional systems.”
The timing follows a major regulatory shift: U.S. President Donald Trump recently signed the GENIUS Act, laying out a framework for stablecoins in the country.
Coinbase says the momentum is now in place for developers to build real-world payment apps using blockchain rails—without requiring users to navigate complex onboarding steps or unfamiliar wallet interfaces.
One of the main advantages of Embedded Wallets is its simplified user flow.
Developers can integrate familiar login methods — email, SMS or OAuth — while still offering full self-custody to users.
Source: Coinbase
The wallets are generated and ready to use in less than 200 milliseconds, with just one command:
`npm create @coinbase/cdp-app`.
There’s no need for separate browser extensions or users writing down recovery phrases.
Instead, private keys are safeguarded within Trusted Execution Environments (TEEs), using the same infrastructure that powers Coinbase’s main exchange.
The platform’s unified API stack supports essential features like balance tracking, staking, token swaps, transfers, and even trading.
All these are handled behind the scenes, giving developers more control and users a smoother experience.
Coinbase highlighted real-world use cases in its beta phase, including apps like Zylu and Stablelink, which are using Embedded Wallets for instant cross-border payments and crypto donation flows.
Source: Stablelink
The technology is also pitched as ideal for remittance services, B2B payroll apps, creator economy platforms, and game developers building tokenised ecosystems.
The company added that “there's never been a better time to launch,” citing the regulatory clarity brought by the GENIUS Act and a surge in interest in programmable stablecoin infrastructure.
Coinlive believes Coinbase is playing a bold card by tightly coupling Embedded Wallets with the future of stablecoin-based apps.
The simplicity and developer-first approach are strong advantages, but the challenge lies in how saturated the market has become with wallet solutions.
While the self-custody narrative is compelling, Coinbase must now prove that Embedded Wallets can power apps users actually stick with, beyond beta hype.
If developers adopt, but users don’t care, it risks becoming another tool nobody clicks on.
As a result, the Web3 wallet landscape has changed significantly in the last two years. Which crypto users are these Web3 wallets suitable for? How do crypto users choose a wallet? This article will comprehensively evaluate seven mainstream Web3 wallets.
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Cointelegraph