Why Coinbase Thinks Bitcoin Will Replace Your Bank | Max Branzburg

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Oct 27, 2025

Max Branzburg, Head of Consumer Product at Coinbase, discusses the company's ambitious plans to revolutionize finance. He explains how Coinbase is launching innovative products like a Bitcoin rewards credit card and DeFi-powered lending. Max introduces the concept of the 'DeFi mullet' which merges decentralized finance with user-friendly experiences. He highlights the potential of tokenization and shares insights on overcoming regulatory challenges. Tune in for an eye-opening vision of how crypto will reshape financial services!

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INSIGHT

Crypto Underpins The Future Of Finance

Coinbase aims to be the place where users do all financial activity with crypto powering services under the hood.
That architecture makes financial services more efficient and composable than legacy rails.

ADVICE

Make Crypto Rewards Simple And Sticky

Use consumer products to turn everyday spend into long-term crypto exposure by rewarding users in Bitcoin.
Offer simple value (like Bitcoin rewards) to onboard people without large upfront investments.

INSIGHT

The 'DeFi Mullet' Bridges UX And Protocols

Coinbase exposes DeFi protocols through its app so retail users can earn yield without self-custody complexity.
This 'DeFi mullet' pairs Coinbase UX in front with permissionless protocols in the back for scale.

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Max Branzburg is the Head of Consumer Product at Coinbase, one of the most important companies in the crypto ecosystem. In this episode, we dive into how Coinbase is building the future of finance — from expanding bitcoin access to launching innovative products that bridge crypto and traditional markets. Max breaks down what’s driving Coinbase’s rapid product development, how they’re scaling to millions of users, and why the next wave of financial innovation will come from within crypto.

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Timestamps:

0:00 - Intro
1:59 – Coinbase product expansion & credit card launch
4:47 - Thinking through staking, DeFi lending, & on-chain integration
10:06 - How to borrow against Bitcoin
11:44 - Any potential risks?
15:45 - USDC rewards & yield
17:32 – Tokenization & real-world assets
24:51 – The “Everything Exchange” vision
26:53 - What are some challenges?
28:28 – Future of crypto & finance merging