Is Bitfinex regulated in the United States?

Bitfinex stopped verifying U.S. individuals in August 2017 and wound down existing U.S. retail accounts over the following 90 days; the 2021 New York attorney general settlement also bars it from trading with any New York person. There is no U.S. affiliate. Anytime Capital is a FinCEN-registered U.S. money services business with a branch in Atlanta.

Does Bitfinex 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 Bitfinex to Anytime Capital without moving my crypto?

Yes. Withdraw from Bitfinex 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.

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

Bitfinex

Our pick

Is Bitfinex legit? What that does and does not mean

Q: Is Bitfinex a scam?

No. Bitfinex is a legitimate exchange operating since 2012. Operated by iFinex Inc. in the British Virgin Islands with no U.S. federal or state licenses; settled with the New York attorney general in February 2021 for $18.5 million alongside Tether, admitting no wrongdoing, and agreed to stop serving New York.

Q: How does Anytime Capital pricing compare with Bitfinex?

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. Bitfinex prices card purchases routed to third-party processors for non-U.S. customers, with the fee and spread shown inside the partner's checkout; not available to a U.S. customer, with a per-coin network fee on crypto and a percentage fee with a minimum on bank wires, which Bitfinex names as one of its remaining revenue lines. Blockchain network fees apply at both. Compare the crypto that lands on the same order size rather than the headline rate.

Bitfinex is a real exchange that has operated since 2012. 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.

Operated by iFinex Inc. in the British Virgin Islands with no U.S. federal or state licenses; settled with the New York attorney general in February 2021 for $18.5 million alongside Tether, admitting no wrongdoing, and agreed to stop serving New York.
Holds your coins until you withdraw
Anytime Capital: a U.S. company you can call or visit

Buy crypto now Call (470) 748-2530 Buy Bitcoin now

Updated September 2026. Bitfinex 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

Quick answer

Is Bitfinex legit and safe to use?

Yes. Bitfinex is a legitimate exchange founded in 2012, based in British Virgin Islands (iFinex Inc.), with roots in Hong Kong. Operated by iFinex Inc. in the British Virgin Islands with no U.S. federal or state licenses; settled with the New York attorney general in February 2021 for $18.5 million alongside Tether, admitting no wrongdoing, and agreed to stop serving New York. Bitfinex does not serve U.S. customers. Because it holds customer funds, the risk to weigh is a frozen account or a platform-level event, not an outright scam. What it does not offer is a phone number or a place to walk into, which is why many customers prefer Anytime Capital when something needs a human.

Buy crypto now Call (470) 748-2530 Buy Bitcoin now

2012
the year Bitfinex was founded
Compared platform
1.9 / 5
Bitfinex Trustpilot average
Compared platform
2
Anytime Capital walk-in offices
Anytime Capital
8,000+
completed Anytime Capital trades
Anytime Capital

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

Published fee percentages on a debit or credit card order

Bitfinex does not sell crypto for a card payment directly: card purchases routed to third-party processors for non-U.S. customers, with the fee and spread shown inside the partner's checkout; not available to a U.S. customer. Anytime Capital card pricing starts from 4% and is shown in full before you confirm, excluding network fees. As of September 2026.

The checklist: does Bitfinex pass?

Bitfinex has been operating since 2012, which makes it the oldest major exchange still running, and it has the longest public record of anyone in this set, good and bad. On the good side: it repaid every customer after the 2016 hack, the stolen coins were eventually recovered by the U.S. government, it publishes reserve information, and its trading engine has a professional reputation that its five-star reviews reflect. On the bad side: the 2016 hack itself, and the 2021 New York attorney general settlement over an $850 million hole at a payment processor that Bitfinex covered with Tether reserves, which ended with an $18.5 million payment, no admission of wrongdoing, and a ban on serving New York.

iFinex, the parent, is a British Virgin Islands company, and Bitfinex holds no license from a U.S. regulator or from a major Western market-conduct regulator. Its Trustpilot profile carries a note that the company may be associated with high-risk investments. The reviews split almost evenly between veterans who trust it completely and newcomers whose verification or deposit got stuck, and the company answers almost none of the latter in public.

For a U.S. customer the answer is that Bitfinex is a legitimate, storied, lightly regulated exchange that has declined to serve you since 2017. Anytime Capital is a U.S. money services business with a branch you can walk into, a phone line, and more than 8,000 completed trades.

Operated by iFinex Inc. in the British Virgin Islands with no U.S. federal or state licenses; settled with the New York attorney general in February 2021 for $18.5 million alongside Tether, admitting no wrongdoing, and agreed to stop serving New York.
Operating since 2012, headquartered in British Virgin Islands (iFinex Inc.), with roots in Hong Kong
Identity verification required
Holds customer funds; withdraw to your own wallet

What "safe" looks like when a trade goes sideways

Read the one-star reviews of Bitfinex and a pattern appears: verification that drags for weeks with documents rejected repeatedly, deposits locked for days or indefinitely with no stated reason, slow ticket responses on urgent problems, the 2016 hack and the tether questions that never fully go away. These are compliance and process events, not theft, and every regulated platform has them. The difference is what you can do about it. On Bitfinex you open a ticket or a chat and wait. At Anytime Capital you call (470) 748-2530 and speak to someone who can see the order, or walk into the Atlanta branch at 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324 and resolve it across a desk.

A front door, not a chat window

Bitfinex 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

Anytime Capital branch storefront on Piedmont Road in Atlanta — Atlanta branch, Piedmont Road NE

One Biscayne Tower in Miami, home of the Anytime Capital Miami office — Miami office, One Biscayne Tower

How to protect yourself on any platform

Use the real website address and never a link from a message. Turn on two-factor authentication. Send your first purchase to a wallet you already control and confirm it arrives before buying more. Keep a screenshot of the confirmation screen with the fees. And if anyone contacts you claiming to be from any exchange and asks you to move money, hang up and call the number on the company's own site.

Leaving Bitfinex? 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.

Buy crypto now Open a free account

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

Bitfinex 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	Bitfinex	Our pick
Card purchase fee	Card purchases routed to third-party processors for non-U.S. customers, with the fee and spread shown inside the partner's checkout; not available to a U.S. customer	From 4% with the spread included, quoted in full before you confirm
Trading fees	0% spot maker and taker since December 17, 2025, on more than 250 spot pairs	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; Bitfinex has not served U.S. individuals since 2017	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	No	Yes
Talk to a human	Email and support tickets; no live chat for most accounts and 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	Bitfinex stopped verifying U.S. individuals in August 2017 and wound down existing U.S. retail accounts over the following 90 days; the 2021 New York attorney general settlement also bars it from trading with any New York person. There is no U.S. affiliate.	Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification	Government ID, a selfie and proof of address, with fiat access requiring the higher tiers and a bank account in the customer's name.	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	An OTC desk for non-U.S. accounts; nothing for a U.S. retail 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	Operated by iFinex Inc. in the British Virgin Islands with no U.S. federal or state licenses; settled with the New York attorney general in February 2021 for $18.5 million alongside Tether, admitting no wrongdoing, and agreed to stop serving New York.	U.S.-based, FinCEN-registered money services business
Way to escalate a problem	Some long-term users call it the best support they have had; Bitfinex replies to only about 2% of negative public reviews, so the bad cases go nowhere in public.	Phone, email, or in person at the Atlanta branch

Card purchase fee
Bitfinex
Card purchases routed to third-party processors for non-U.S. customers, with the fee and spread shown inside the partner's checkout; not available to a U.S. customer
Anytime
From 4% with the spread included, quoted in full before you confirm
Trading fees
Bitfinex
0% spot maker and taker since December 17, 2025, on more than 250 spot pairs
Anytime
One all-in price per order with the spread included, plus an OTC desk for size
Pay with cash
Bitfinex
Not offered
Anytime
Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire
Bitfinex
Not offered to U.S. customers; Bitfinex has not served U.S. individuals since 2017
Anytime
Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay
Bitfinex
No
Anytime
Yes
Talk to a human
Bitfinex
Email and support tickets; no live chat for most accounts and no phone line
Anytime
Phone (470) 748-2530, email, and two walk-in offices
Physical locations
Bitfinex
None for customers
Anytime
Atlanta branch and Miami office
Where it serves
Bitfinex
Bitfinex stopped verifying U.S. individuals in August 2017 and wound down existing U.S. retail accounts over the following 90 days; the 2021 New York attorney general settlement also bars it from trading with any New York person. There is no U.S. affiliate.
Anytime
Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification
Bitfinex
Government ID, a selfie and proof of address, with fiat access requiring the higher tiers and a bank account in the customer's name.
Anytime
Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card
Bitfinex
No FDIC-insured cash account
Anytime
FDIC-insured cash account with a free virtual debit card
Large orders
Bitfinex
An OTC desk for non-U.S. accounts; nothing for a U.S. retail buyer
Anytime
Dedicated OTC desk with a named contact
Custody of your coins
Bitfinex
Held in your account until you withdraw
Anytime
Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation
Bitfinex
Operated by iFinex Inc. in the British Virgin Islands with no U.S. federal or state licenses; settled with the New York attorney general in February 2021 for $18.5 million alongside Tether, admitting no wrongdoing, and agreed to stop serving New York.
Anytime
U.S.-based, FinCEN-registered money services business
Way to escalate a problem
Bitfinex
Some long-term users call it the best support they have had; Bitfinex replies to only about 2% of negative public reviews, so the bad cases go nowhere in public.
Anytime
Phone, email, or in person at the Atlanta branch

Ways to pay

9 ways to pay here. 0 at Bitfinex.

Bitfinex does not take U.S. dollars from a U.S. customer directly. Every rail below is live at Anytime Capital, including the ones no online platform offers.

MethodBitfinexAnytime Capital

Apple PayInstant, from your phoneNoYes
Google PayInstant, Android and webNoYes
Debit cardVisa and MastercardNoYes
Credit cardAmex and Discover accepted hereNoYes
ACH bank transferLower cost, settles in business daysNoYes
Domestic wireSame-day for larger ordersNoYes
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.

How it works

Three steps from Bitfinex 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.

Buy crypto now Call (470) 748-2530 Buy Bitcoin now

Ready to leave Bitfinex 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

Buy crypto now See fees & limits

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