Head to head
Binance.US
Our pickBinance.US vs Anytime Capital
Binance.US is the separately owned American affiliate of the world's largest exchange, with a Binance-style order book and one of the hardest track records to rely on: no New York, no Texas, and a dollar rail that disappeared for twenty months. Anytime Capital is a U.S. money services business that serves customers worldwide, with card pricing from 4% with the spread included, cash and same-day wire, a phone number, and an Atlanta branch. Here is the honest breakdown.
- Card orders from 4% with the spread included, one all-in number, versus a Binance.US card fee layered on top of the trade
- Cash in branch, cash by mail, Cash App and same-day wire that Binance.US does not offer
- Call (470) 748-2530 or walk into the Atlanta branch; Binance.US is chat and tickets
Updated September 2026. Binance.US figures from its published pricing, terms and independent reviews.
- FinCEN-registered U.S. money services business
- Atlanta branch · Miami office
- 8,000+ completed trades
- FDIC-insured cash account
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Buy BTCBitcoin$81,250+5.07%.svg)
Buy ETHEthereum$2,515+5.08%.svg)
Buy USDTTether$0.9999+0.02%.svg)
Buy USDCUSD Coin$0.9999+0.01%.svg)
Buy SOLSolana$105.30+5.90%.svg)
Buy XRPXRP$1.46+9.17%.svg)
Buy LTCLitecoin$51.35+3.19%.svg)
Buy DOGEDogecoin$0.0895+10.01%.svg)
Buy TRXTRON$0.3313+2.00%.svg)
Buy ADACardano$0.2224+13.08%.svg)
Buy AVAXAvalanche$7.53+5.02%.svg)
Buy DOTPolkadot$0.8943+4.02%.svg)
Buy LINKChainlink$11.81+6.26%.svg)
Buy BCHBitcoin Cash$257.40+5.35%.svg)
Buy XLMStellar$0.1861+7.22%.svg)
Buy SHIBShiba Inu$0.000005+5.36%.svg)
Buy TONToncoin$1.38+3.60%.svg)
Buy SUISui$0.7899+8.46%
Quick answer
Which is better, Binance.US or Anytime Capital?
Binance.US is a Binance-style spot order book for U.S. residents in the states it serves, funded mainly by ACH. Anytime Capital is the better fit for anyone who wants a card, cash or wire order today: pricing from 4% with the spread included and the crypto you receive shown before you confirm, plus cash, same-day wire, Cash App, an OTC desk, a phone line, a branch, an FDIC-insured cash account with a virtual debit card, and delivery to a wallet you control. Binance.US is unavailable in New York, Texas, Hawaii and Vermont, and its USD services still do not reach every state it serves.
4%
Anytime Capital card pricing from
Anytime Capital
190+
Binance.US at a glance
Compared platform
9
ways to pay at Anytime Capital
Anytime Capital
5
ways to pay at Binance.US (U.S.)
Compared platform
Ways to pay: Binance.US vs Anytime Capital
Payment methods live for a customer today
- Anytime Capital
- Binance.US
Anytime Capital: Apple Pay, Google Pay, Debit card, Credit card, ACH bank transfer, Wire transfer, Cash App, Cash in branch, Cash by mail, each priced as one all-in number from 4% on card orders with the spread included. Binance.US: 5 of those rails, priced about 3.75% on debit card, Apple Pay and Google Pay purchases, on top of the trade, with network fee on crypto withdrawals; free ACH cash-out. Both exclude blockchain network fees. As of September 2026.
What Binance.US is, and what it is not
Binance.US launched in September 2019 as a separately owned company, BAM Trading Services Inc., licensing the Binance name and technology to serve a U.S. market that Binance.com could not. It lists more than 190 assets, runs a Binance-style order book, and since April 2026 has published one flat maker and taker schedule for every spot pair. It is registered with FinCEN and licensed as a money transmitter in most states, but it has never obtained a New York BitLicense and does not serve Texas, Hawaii or Vermont.
Its history is the reason people hesitate. In June 2023 the SEC sued Binance, Binance.US and Changpeng Zhao; banking partners pulled out within days, and Binance.US suspended U.S. dollar deposits and withdrawals, leaving customers to trade crypto-to-crypto or cash out through stablecoins. That lasted until February 2025, when USD services were restored, and the SEC dismissed its case with prejudice in May 2025. The exchange survived, but it spent twenty months as a crypto-only platform in its own home market.
Anytime Capital is a different kind of company. It is a U.S. money services business that serves customers worldwide, with a storefront on Piedmont Road in Atlanta, an office in Miami's One Biscayne Tower, a phone number, (470) 748-2530, that reaches a person, and every rail from Apple Pay to cash and same-day wire. Coins are delivered to a non-custodial wallet you control. It is a brokerage rather than an order book. The crypto is the same. The reliability of the dollar rail is not.
Fees: a layered schedule, versus one all-in number
Binance.US dropped its volume-tiered schedule in April 2026 and now charges one rate to everyone: 0% to make and 0.02% to take on all spot pairs, with a handful of Tier 0 pairs such as BNB/USD at 0.01% taker. ACH deposits and withdrawals are free in states where USD is enabled. Wire deposits carry a fee that Binance.US does not publish as a single number, because it depends on the bank. Crypto withdrawals pay the network fee.
Instant purchases are where the fee comes back. Buying with a debit card, Apple Pay or Google Pay costs about 3.75% of the order, and that line sits on top of the trade, the spread of the market you buy into and any withdrawal fee, so the total is assembled from several parts. Anytime Capital's card, Apple Pay and Google Pay pricing is one all-in number, from 4% with the spread included, with the amount you pay and the crypto you receive shown before you confirm.
The honest summary: Binance.US is an order book, so its price is a fee line plus the spread of whatever market you trade into, and it takes an ACH settlement before you can trade at all. If you need the coins today, want to pay with cash, a credit card or a wire that settles the same day, or want a person on the phone when something goes wrong, Anytime Capital shows you one number and delivers.
A front door, not a chat window
Binance.US is built to be used through a screen. We are built to be visited. Bring cash, bring questions, or bring a problem another platform could not solve.
- Atlanta branch
- 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324
- Hours
- Mon–Fri 10am–5pm · Sat 10am–2pm
- Phone
- (470) 748-2530
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Ways to pay: nine rails versus cards, ACH and wire in some states
Binance.US takes debit cards, Apple Pay, Google Pay, ACH and domestic wire in the states where USD services are enabled, and only crypto deposits in the states it calls crypto-only. Credit cards are accepted by some issuers and blocked by others. There is no cash rail and no Cash App. For a customer in a crypto-only state, the only way in is to buy elsewhere and transfer.
Anytime Capital accepts Apple Pay, Google Pay, debit and credit cards, ACH, domestic wire, Cash App, cash in person at the Atlanta branch, and cash by mail from anywhere in the country. Wires settle the same business day. If one rail is blocked by your bank, there are eight others, and none of them depend on a single banking partner staying in the business.
- Apple Pay
- Google Pay
- Debit card
- Credit card
- ACH bank transfer
- Wire transfer
- Cash App
- Cash in branch
- Cash by mail
Support: chat and tickets, versus a phone number and a front door
Binance.US has a surprisingly small public footprint for an exchange of its size, with only a few hundred Trustpilot reviews averaging around 4 out of 5. The praise is for the interface and the published schedule. The complaints are the ones every custodial exchange collects, sharpened by 2023: accounts frozen, verification loops, withdrawals held, and above all the twenty months when dollars could not come out. Support is live chat seven days a week and tickets; a phone line has appeared in its help center at times, but reviewers do not describe it as a reliable route.
At Anytime Capital you can call (470) 748-2530 during business hours and reach someone who can see your order. You can email. You can drive to 2549 Piedmont Road NE in Atlanta and sort it out across a desk. For larger orders the OTC desk gives you a named contact from quote to settlement.
More than an exchange: the account that comes with it
Binance.US holds your coins and, when its banking partners allow, your dollars. Anytime Capital customers get an FDIC-insured cash account with a free virtual debit card, a non-custodial wallet, and buy and sell in the same app, so selling Bitcoin and spending the dollars is one login. Because the coins are delivered to a wallet you control, there is no exchange balance to freeze, and because the cash account is FDIC-insured, there is no repeat of a dollar rail that vanishes when a partner bank walks away.
When Binance.US is the right call
Choose Binance.US if you want a Binance-style spot order book with limit orders, fund by ACH, and live in a fully supported state. Do not choose it if you live in New York, Texas, Hawaii or Vermont, or if your state is on its crypto-only list. For anyone who wants to buy with a card, cash or wire today, with a person to call, start below.
Leaving Binance.US? Your wallet address works here too.
Verify once with your ID and a selfie, pick a coin, choose any of nine ways to pay, and paste any wallet address you control. Card and Apple Pay orders confirm in minutes; wires settle the same business day.
- Non-custodial wallet, or your own address
- FDIC-insured cash account with a free debit card
- (470) 748-2530 during business hours
- Walk-in branch in Atlanta, office in Miami
Side by side
Binance.US vs Anytime Capital, row by row
A green check marks the platform with the edge on that row. Anytime Capital leads on 8 of 13.
Card purchase fee
- Binance.US
- About 3.75% on debit card, Apple Pay and Google Pay purchases, on top of the trade
- Anytime
- From 4% with the spread included, quoted in full before you confirm
Trading fees
- Binance.US
- 0% maker / 0.02% taker on all spot pairs since April 2026, with a few Tier 0 pairs at 0.01% taker
- Anytime
- One all-in price per order with the spread included, plus an OTC desk for size
Pay with cash
- Binance.US
- Not offered
- Anytime
- Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire
- Binance.US
- Domestic wire deposits accepted in USD-enabled states; fee varies by bank
- Anytime
- Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay
- Binance.US
- Yes
- Anytime
- Yes
Talk to a human
- Binance.US
- Live chat seven days a week and support tickets; a phone line has been listed at times but is not consistently published
- Anytime
- Phone (470) 748-2530, email, and two walk-in offices
Physical locations
- Binance.US
- None for customers
- Anytime
- Atlanta branch and Miami office
Where it serves
- Binance.US
- Binance.US is a U.S.-only exchange operated by BAM Trading Services Inc., separate from Binance.com. It is not available in New York, Texas, Hawaii or Vermont, and its help center has listed additional states as unsupported or crypto-only at various times, so check the current list before signing up.
- Anytime
- Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification
- Binance.US
- Government ID, selfie and Social Security number on every account; a fully verified account is required for any trading.
- Anytime
- Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card
- Binance.US
- No FDIC-insured cash account
- Anytime
- FDIC-insured cash account with a free virtual debit card
Large orders
- Binance.US
- Binance.US offers an OTC portal for larger trades; retail customers are otherwise on the order book
- Anytime
- Dedicated OTC desk with a named contact
Custody of your coins
- Binance.US
- Held in your account until you withdraw
- Anytime
- Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation
- Binance.US
- Registered with FinCEN as a money services business and licensed as a money transmitter in most states, but without a New York BitLicense; the SEC's 2023 case against Binance.US was dismissed with prejudice in May 2025.
- Anytime
- U.S.-based, FinCEN-registered money services business
Ways to pay
9 ways to pay here. 5 at Binance.US.
The rails Binance.US has, it runs well. The ones it does not have are the ones a customer reaches for when a card is declined, an amount is large, or the money is in cash.
Apple PayInstant, from your phoneYesYes
Google PayInstant, Android and webYesYes
Debit cardVisa and MastercardYesYes
Credit cardAmex and Discover accepted hereLimitedYes- ACH bank transferLower cost, settles in business daysYesYes
- Domestic wireSame-day for larger ordersYesYes
Cash AppPay from your Cash App balanceNoYes- Cash in personAtlanta branch, counted at the counterNoYes
- Cash by mailFrom anywhere in the U.S.NoYes
Coins
Every major coin, one checkout
Most of the volume on any platform is in the same few dozen coins. Every one below has its own buy page here, with Apple Pay, card, ACH, wire and cash at checkout.
- BitcoinBuy BTC
- EthereumBuy ETH
- TetherBuy USDT
- USD CoinBuy USDC
- SolanaBuy SOL
- XRPBuy XRP
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BNBBuy BNB- DogecoinBuy DOGE
- TRONBuy TRX
- CardanoBuy ADA
- LitecoinBuy LTC
- ChainlinkBuy LINK
- AvalancheBuy AVAX
- PolkadotBuy DOT
- ToncoinBuy TON
- SuiBuy SUI
- Shiba InuBuy SHIB
- StellarBuy XLM
- Bitcoin CashBuy BCH
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PolygonBuy POL.svg)
UniswapBuy UNI.svg)
NEARBuy NEAR.svg)
HederaBuy HBAR.svg)
AptosBuy APT.svg)
ArbitrumBuy ARB.svg)
OptimismBuy OP.svg)
CosmosBuy ATOM.svg)
FilecoinBuy FIL.svg)
Ethereum ClassicBuy ETC.svg)
AaveBuy AAVE.svg)
InjectiveBuy INJ.svg)
BittensorBuy TAO.svg)
RenderBuy RENDER.svg)
SeiBuy SEI.svg)
StacksBuy STX.svg)
ImmutableBuy IMX
How it works
Three steps from Binance.US to here
- 1
Verify once
Government ID and a selfie, online in minutes. Stuck? Call the branch or come in and finish it in person.
- 2
Pay your way
Apple Pay, Google Pay, card, ACH, wire, Cash App, cash in branch or cash by mail. The full price is on screen before you confirm.
- 3
Receive and keep going
Coins land in your own wallet or the free Anytime Capital wallet. Sell back to an FDIC-insured cash account and spend with the debit card.
Ready to leave Binance.US behind?
Anytime Capital is a U.S. money services business serving customers worldwide, with a branch in Atlanta, an office in Miami, and card pricing from 4% with the spread included. Verification takes minutes, nine payment methods are live, and (470) 748-2530 reaches a person during business hours.
- Wire transfer
- Cash in person
Digital assets are not FDIC-insured, are not bank deposits, and may lose value. Availability and limits subject to identity verification and compliance review.
Questions
Binance.US vs Anytime Capital: FAQ
More on Binance.US
Other questions people ask before switching
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Important Disclosures
- Information about Binance.US is based on its published pricing, terms of service and independent reviews as of September 2026. Fees, availability and features change; confirm the exact quote in each platform's checkout before you pay.
- Anytime Capital pricing shown as "from" reflects the lowest published rate; your quote depends on payment method, order size and verification and is displayed in full before you confirm.
- Anytime Capital and Binance.US are independent companies. This page is not endorsed by or affiliated with Binance.US. Third-party names and logos are used only to identify the platform being compared and remain the property of their owners.
- This comparison is for information only and is not financial, investment, tax or legal advice.
- Cryptocurrency is not FDIC insured, is not a bank deposit and may lose value. The FDIC-insured cash account refers to U.S. dollar balances held at a partner bank; digital assets are not covered.