Key Takeaways Coinbase leverages trading, staking, and stablecoin services to diversify revenues and expand its user base.CRCL relies mainly on USDC reserve interest income, making it vulnerable to rate-driven revenue shifts.COIN stock rose 5.8% in a month, while CRCL dropped 9.6% after its June 2025 IPO debut.Retail access to cryptocurrencies is progressing steadily as platforms improve onboarding, enhance user experiences, and align more closely with regulatory expectations. Fintechs and exchanges are inc ...