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Coinbase Wallet is a self-custody wallet that gives you complete control of your crypto . This means that the private keys (that represent ownership of the cryptocurrency) for your Wallet are stored directly on your mobile device and not with a centralized exchange like Coinbase.com.

From the Coinbase mobile app:

A negative balance occurs when you buy cryptocurrency or deposit money into your Coinbase account, but Coinbase has not received successful payment from either your bank or card issuer .