No. Binance is a legitimate exchange operating since 2017. Pleaded guilty in November 2023 to Bank Secrecy Act and sanctions violations and paid more than $4.3 billion in penalties under a multi-year monitorship; holds registrations in Dubai, France, Italy, Spain, Japan and other markets outside the United States.

Is Binance regulated in the United States?

Binance.com does not serve U.S. residents and has not since 2019; the 2023 settlement with the Department of Justice and FinCEN requires a complete exit from the United States. The separately owned Binance.US operates in about 38 states and is unavailable in New York, Texas, Georgia and roughly a dozen others. Anytime Capital is a FinCEN-registered U.S. money services business with a branch in Atlanta.

Does Binance hold my crypto?

Yes, until you withdraw it to your own wallet. Anytime Capital delivers to a wallet you control or to its free non-custodial wallet.

Can I switch from Binance to Anytime Capital without moving my crypto?

Yes. Withdraw from Binance to a wallet you control (or leave it there), create an Anytime Capital account, verify once, and paste any wallet address at checkout. Nothing you already hold needs to move.

How does Anytime Capital pricing compare with Binance?

Anytime Capital quotes one all-in number: card, Apple Pay and Google Pay orders start from 4% with the spread included, and the amount you pay and the crypto you receive are both on screen before you confirm. Binance prices a card purchase fee of up to about 2% in the regions it serves, with the rate and spread shown at checkout; U.S. residents cannot use it at any price, with a per-coin network withdrawal fee that Binance sets and changes without notice. Blockchain network fees apply at both. Compare the crypto that lands on the same order size rather than the headline rate.

Is Anytime Capital regulated?

Anytime Capital is a U.S.-based money services business registered with FinCEN, serving customers worldwide, with a physical branch in Atlanta and an office in Miami. Identity verification is required before you can transact, the same as at every compliant platform.

Trust & safety

Binance

Our pick

Is Binance legit? What that does and does not mean

Binance is a real exchange that has operated since 2017. The useful question is not whether it is a scam but what happens on the day something goes wrong, and that is where an online-only platform and a U.S. company with a front door part ways.

Pleaded guilty in November 2023 to Bank Secrecy Act and sanctions violations and paid more than $4.3 billion in penalties under a multi-year monitorship; holds registrations in Dubai, France, Italy, Spain, Japan and other markets outside the United States.
Holds your coins until you withdraw

Binance vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 11 of 14.

Category	Binance	Our pick
Card purchase fee	A card purchase fee of up to about 2% in the regions it serves, with the rate and spread shown at checkout; U.S. residents cannot use it at any price	From 4% with the spread included, quoted in full before you confirm
Trading fees	0.1% spot maker and taker, 0.075% when fees are paid in BNB	One all-in price per order with the spread included, plus an OTC desk for size
Pay with cash	Not offered	Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire	Not offered to U.S. customers; Binance.com does not accept U.S. residents at all	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	No	Yes
Talk to a human	24/7 live chat in the app plus tickets; no phone line	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None for customers	Atlanta branch and Miami office
Where it serves	Binance.com does not serve U.S. residents and has not since 2019; the 2023 settlement with the Department of Justice and FinCEN requires a complete exit from the United States. The separately owned Binance.US operates in about 38 states and is unavailable in New York, Texas, Georgia and roughly a dozen others.	Serves customers worldwide, with U.S. branches in Atlanta, Miami and Houston; eligibility confirmed during verification
Identity verification	Government ID, a selfie and proof of residence, mandatory for every account since 2021.	Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card	No FDIC-insured cash account	FDIC-insured cash account with a free virtual debit card
Large orders	VIP tiers and an OTC desk for non-U.S. accounts; nothing for a U.S. buyer	Dedicated OTC desk with a named contact
Custody of your coins	Held in your account until you withdraw	Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation	Pleaded guilty in November 2023 to Bank Secrecy Act and sanctions violations and paid more than $4.3 billion in penalties under a multi-year monitorship; holds registrations in Dubai, France, Italy, Spain, Japan and other markets outside the United States.	U.S.-based, FinCEN-registered money services business
Way to escalate a problem	The chat is fast at answering common questions, but a frozen withdrawal or compliance hold goes to a ticket queue with no one to call.	Phone, email, or in person at the Atlanta branch

Card purchase fee

Binance: A card purchase fee of up to about 2% in the regions it serves, with the rate and spread shown at checkout; U.S. residents cannot use it at any price
Anytime: From 4% with the spread included, quoted in full before you confirm

Trading fees

Binance: 0.1% spot maker and taker, 0.075% when fees are paid in BNB
Anytime: One all-in price per order with the spread included, plus an OTC desk for size

Pay with cash

Binance: Not offered
Anytime: Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.

Domestic wire

Binance: Not offered to U.S. customers; Binance.com does not accept U.S. residents at all

Is Binance legit? What that does and does not mean

Is Binance legit and safe to use?

Card pricing at Anytime Capital, where Binance has no card rail

The checklist: does Binance pass?

What "safe" looks like when a trade goes sideways

A front door, not a chat window

How to protect yourself on any platform

Leaving Binance? Your wallet address works here too.

Binance vs Anytime Capital, row by row

9 ways to pay here. 0 at Binance.

Every major coin, one checkout

Three steps from Binance to here

Verify once

Pay your way

Receive and keep going

Ready to leave Binance behind?