Last updated October 1, 2026.
CoinPayBank is not a bank
CoinPayBank.com (“CoinPayBank”, “we”, “us”) is an educational publication. CoinPayBank is not a bank, credit union, trust company, money transmitter, broker-dealer, investment adviser or any other kind of financial institution, and it does not conduct banking business in Florida or in any other state or jurisdiction. The word “bank” in our name refers only to the idea of individuals acting as their own bank through self-custody; it does not describe any service we provide.
We do not hold funds
We do not accept deposits, hold or custody any money or digital assets, make or arrange loans, execute trades, or move funds on anyone’s behalf. Nothing on this site creates a deposit, account or customer relationship of any kind.
No insurance
Digital assets discussed on this site are not deposits and are not insured by the Federal Deposit Insurance Corporation (FDIC), the Securities Investor Protection Corporation (SIPC) or any other government agency or private insurer. Third-party platforms that describe insurance may cover only narrow situations.
Education, not advice
All content — articles, tools, calculators, simulators, quizzes, rate tables and newsletters — is general information for educational purposes only. It is not financial, investment, legal, tax or accounting advice and does not take your personal circumstances into account. Consult a licensed professional before making decisions.
Risk of total loss
Digital assets are highly volatile and speculative. Self-custody, staking, lending, borrowing, liquidity providing and bridging can each result in the partial or total loss of your funds through price movements, liquidation, smart-contract failures, hacks, depegs, platform insolvency, regulatory action or user error. Past performance does not predict future results. Never commit money you cannot afford to lose.
Rates and data
Rates, yields, fees and other figures are variable, are dated when published, may be delayed or cached, and may be incomplete or wrong. Data may come from third parties such as DefiLlama and provider websites, which we do not control. No rate shown is an offer or a promise of any return.
Third-party protocols and services
Mention of any exchange, wallet, protocol, lender or other third party is not an endorsement, recommendation or guarantee. We are not responsible for the products, security, solvency or conduct of third parties, and you use them at your own risk and under their own terms.
Affiliate disclosure
In line with US Federal Trade Commission guidance, some links on this site are affiliate links. If you click one and later buy a product or use a service, we may receive a commission at no extra cost to you. Affiliate links are marked as such. Compensation never determines how we rank or rate rates, protocols or products.
Testimonials and examples
Any examples, scenarios or testimonials are illustrative and are not typical. Your results will differ and may include losses.
No solicitation
Nothing on this site is an offer to sell, or a solicitation of an offer to buy, any security, token, commodity or financial product, in any jurisdiction. Some products discussed may not be available or legal where you live, including in particular US states.
Ownership and contact
CoinPayBank is a property of Mass Density, Inc., Doral, Florida. Use of this site is also governed by our terms and privacy policy. By using the site you accept this disclaimer.