[deegles]

Does cloning your card to a Coin make you liable for fraudulent transactions? I assume it would be against the ToS for most cards to allow cloning.

[concerned_user]

That is what signature is for, isn't it? If bank can't prove it is your signature then it is a fraudulent transaction. Technically cashier/clerk should not accept the transaction if signature doesn't match but I've rarely seen them check it.