Who owns your crypto assets on platforms like Coinbase and Robinhood?  

When Voyager and Celsius filed for bankruptcies in 2022, many customers had their accounts frozen and became unsecured creditors without even knowing that they made a loan to those companies.  

What do certain user agreements say about the ownership of crypto assets on their platform?  

In the second episode of Blockchain Finance Podcast, I discuss my involvement with the Voyager bankruptcy and review user agreements of Coinbase and Robinhood to see what they say about the ownership of customer's crypto assets.

02:50 Voyager Bankruptcy - My Experience and Key Issues
06:55 Celsius Bankruptcy - Key Issues 
13:06 User Agreement Review - General and Governing Law
16:07 Coinbase User Agreement - Ownership Clause
22:50 Title vs. Ownership
25:11 Robinhood Customer Agreement - Ownership Clause
29:15 Final Thoughts