It is more complex but is worth learning if you will be making a lot of trades and buys. Funds cannot be held because the shared key is encrypted with your password. Coinbase users can buy or sell using a bank transfer, credit card or debit card, while enjoying high liquidity. Limits depend on your account level, which is determined by how much information you have verified. Buying cryptocurrency can be a confusing process, with the multitudes of exchanges payment methods available. Very easy to use for first-time buyers.