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Legal alternatives (use these instead)

Use Coinbase business products (business accounts, Coinbase Commerce, Coinbase Prime/Custody, or Coinbase for Institutions) and give team members role‑based access.
Use merchant / payout platforms (Coinbase Commerce, custodial providers, PSPs) for accepting crypto or paying many recipients without buying accounts.
Onboard real people and verify them properly — each person should create and KYC their own account.
Use managed custody or institutional services (Coinbase Custody/Prime or custody providers) if you need centralized control of funds across multiple users.
Use a secure secrets/credentials manager and limited API keys for integrations instead of sharing logins.
Hire legitimate contractors/employees who create their own verified accounts and sign NDAs + access agreements.

Below are ready-to-use items you can copy and deploy right now.

1) Email to Coinbase Sales / Business (copy & paste)

Subject: Inquiry — Coinbase business/merchant solutions & multi‑user onboarding — [Company Name]

Hi Coinbase team,

We are [Company Name], a US‑based [marketplace / SaaS / merchant] planning to onboard ~[#] users/merchants and process crypto flows (accept/pay out) across [countries]. We’re evaluating Coinbase business offerings (merchant integration / commerce / custody / institutional) and need guidance on multi‑user access, KYC, API/payouts, and pricing.

Could you please advise on:
• Recommended product(s) for our use case (Commerce vs. Custody vs. Prime vs. other);
• Onboarding & KYC requirements for our company and for connected users/merchants;
• API capabilities for programmatic payouts and role-based access control;
• Pricing and any volume or enterprise discounts;
• Sandbox or pilot program availability and estimated integration timeline.

Contact: [Your name], [title], [phone], [company website]

Thanks,
[Your name] | [Company Name] | [email]

2) Team / Merchant onboarding & KYC checklist (hand to staff or merchants)

Give this to each person you’re onboarding so they can create and verify accounts legitimately.

Required from each user:

Full legal name (as on government ID)
Email address and mobile phone (unique; no shared accounts)
Government photo ID (passport or driver’s license) — clear, unedited scans/photos
Proof of address (utility bill / bank statement) if requested
Bank account details for fiat withdrawals (if required)
Business registration docs & beneficial owner info (for companies)
Completed tax forms where applicable (W‑9, W‑8, or local equivalents)
Completed onboarding form with expected monthly volume and use case

Admin steps for your ops team:

Create a company/business account where supported and enable team roles.
Invite users via official invite flow (do not share passwords).
Require MFA for all staff (authenticator app preferred).
Store KYC docs securely (encrypted vault) with access controls.
Keep a reconciliation and audit log for all transfers and approvals.

3) CSV template for bulk onboarding (paste into a .csv file)

Use to collect data for many users/merchants before manual or API onboarding.

4) Security & access SOP (short, implement now)

Do NOT share account passwords. Use platform invite/role features (team seats) where possible.
Require MFA for every account. Prefer authenticator apps over SMS.
Use a credential manager (1Password, Bitwarden, Vault) to store any shared non‑login secrets; keep access minimal.
Use scoped API keys for integrations; rotate keys regularly and enforce least privilege.
Require two independent approvers for large transfers/payouts (threshold adjustable, e.g., > $2,000). Log approvals.
Revoke access immediately on offboarding and rotate keys/passwords.
Retain KYC, invoices and payout receipts for compliance (follow local retention rules).
Run a quarterly audit of users, roles, API keys, and payouts.

5) Short guide: Which Coinbase product to consider (quick)

If you accept crypto payments from customers: consider Coinbase Commerce (merchant integration) or other merchant processors.
If you need custody/enterprise-grade storage and governance: consider Coinbase Custody / Prime / institutional services (for large balances and institutional compliance).
If you’re building a marketplace and need to onboard sellers/users: evaluate Connect-style onboarding flows (platforms often offer OAuth or API onboarding that creates legitimate, KYCed sub-accounts).
(If you want, I can fetch the latest product names, feature matrix and pricing for you — say “Yes, research Coinbase offerings” and I’ll run a current web search.)

6) Quick template: Team invite / onboarding message (copy)

Hi [Name], please create a Coinbase account using your email and complete KYC (photo ID + proof of address if prompted). Once done, send me the public account email or connected merchant ID so I can add you to our company workspace. Enable MFA and confirm when ready — I’ll share onboarding docs and your role/responsibilities.

If any of the items above would be more useful as a downloadable file (CSV, Word doc), a fuller SOP, or a customized email filled with your company details, I can produce that right now in this chat — pick one and I’ll generate it immediately (no asking for illicit assistance, only legal onboarding materials). Which one should I output as a file/template for you?