Coinbase Advisor is an AI-powered financial advisory feature integrated within the Coinbase mobile application. It is designed to provide users with personalized market information, investment guidance, and portfolio construction based on their financial goals and risk profile. The tool functions as a non-discretionary service, meaning it suggests actions and facilitates trade execution, but requires explicit user approval for all transactions. ^[1]​

Overview

​Coinbase Advisor is an artificial intelligence-driven tool designed to make financial guidance more accessible to a broad user base. Coinbase positions the feature as a way to "democratize" financial advice, which it describes as having historically been a luxury product. The service operates 24/7 as an "intelligent co-pilot" within the main Coinbase app, aiming to provide users with institutional-grade market briefings, personalized portfolio recommendations, and a streamlined process for trade execution. The tool functions by processing user inputs, such as financial goals and risk tolerance, in combination with real-time market data, the user's current holdings, and daily news. It can answer natural language questions about economic trends, generate diversified portfolio strategies, and explain how market events might impact a user's specific investments. While it assists in decision-making and can set up complex trades, the platform maintains a non-discretionary model. This ensures that the user retains final control, as they must review, modify, and authorize every action before any funds are moved or transactions are executed. ^{[1] [3]}

Features

Coinbase Advisor operates through Coinbase Advisors, LLC, a registered Commodity Trading Advisor and NFA member, and provides guidance in accordance with applicable regulatory standards. Its portfolio recommendations are generated by AI models based on established investment frameworks, real-time market data, user inputs, current holdings, and individual risk profiles. The tool does not execute trades automatically; users must review and approve all actions before any transaction occurs. Current features support spot crypto assets, automated dollar-cost averaging strategies, and USDC lending, with plans to expand into additional asset classes. Users can modify suggested portfolios by adjusting allocations, amounts, and thematic exposures before execution. ^[2]

Key Capabilities

• Market Analysis and Insights: The tool provides on-demand "institutional-grade briefings" and can answer user questions about macroeconomic trends (e.g., "What is the impact of recent inflation data?") or specific asset prices (e.g., "the current price of bitcoin").
• Portfolio Generation and Customization: Based on a user's profile, the Advisor can build suggestions for a diversified portfolio. The user can then modify the AI-generated portfolio by adjusting asset allocations, changing purchase amounts, or adding specific investment themes such as "AI exposure" or "DeFi."
• Proactive Suggestions: The tool is designed to go beyond direct user queries by identifying and suggesting investment opportunities that a user may not have considered or "thought to ask about."
• Trade Execution: Coinbase Advisor facilitates the execution of complex strategies and bundles various Coinbase products into a single, actionable plan. It is described as bridging "the gap between idea and execution." However, every action must be explicitly reviewed and authorized by the user before execution. ^{[1] [3]}