Can I use Bitfinex without KYC?

No. 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 Capital is the same: verification is required before you can transact, because it is the law for a registered U.S. money services business.

Can I verify with Anytime Capital in person?

Yes. Bring your government ID to the Atlanta branch at 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324 during business hours, or verify online and call (470) 748-2530 if anything stalls.

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.

Verification

Bitfinex

Our pick

Bitfinex KYC: what it asks for, how long it takes, and why it stalls

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.

Yes, Bitfinex requires KYC, and so does every legitimate platform. The difference between platforms is not whether they verify you but what happens when the automated check says no.

Government ID, a selfie and proof of address, with fiat access requiring the higher tiers and a bank account in the customer's name.
Bitfinex's verification has historically taken days to weeks, and reviewers still describe repeated document rejections.
Anytime Capital: verify online, or in person at the Atlanta branch

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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

Does Bitfinex require KYC?

Yes. Government ID, a selfie and proof of address, with fiat access requiring the higher tiers and a bank account in the customer's name. Bitfinex's verification has historically taken days to weeks, and reviewers still describe repeated document rejections. Anytime Capital requires government ID and a selfie for every customer, and adds the option of finishing verification face to face at the Atlanta branch or over the phone.

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

Required
Bitfinex identity verification
Compared platform
Days
Bitfinex typical approval
Compared platform
In person
verification option at Anytime Capital
Anytime Capital
(470) 748-2530
a human to call when a check stalls
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.

What Bitfinex verification involves

Bitfinex verification is tiered and, by reputation, slow. Basic tiers ask for a government ID and a selfie; fiat access requires the higher tiers, proof of address, and a bank account in the customer's own name, because Bitfinex is a wire-first exchange. The 2017 U.S. exit was itself partly about verification: the company cited a backlog of requests it could not clear. Reviewers still describe weeks-long waits and documents rejected repeatedly with little explanation, and the document's country is checked first, so a U.S. ID ends the process.

The KYC complaints on Bitfinex's profile are the largest single category of one-star reviews. A newcomer submits the same passport three or four times, each time told it is not good enough, and cannot deposit or withdraw fiat in the meantime. Veterans who verified years ago do not have this experience, which is why the profile splits the way it does.

Anytime Capital verifies identity too, as every U.S. money services business must. The difference is what happens when the automated check fails: you can call (470) 748-2530 and reach someone who can see the file, or bring the documents to the Atlanta branch.

Why automated KYC fails good customers

Glare on a licence, a name that does not match the card, an address that changed last month, a selfie in poor light: automated systems reject all of these, and the customer gets a generic message. On Bitfinex your recourse is to resubmit and open a ticket. At Anytime Capital the same check runs online, but when it stalls you can call (470) 748-2530 and have someone tell you exactly what is wrong, or bring your documents to the Atlanta branch and verify 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

What verification unlocks

At Anytime Capital one verification opens crypto buying and selling, the FDIC-insured cash account with its free virtual debit card, the non-custodial wallet, and access to the OTC desk for larger orders. It is one identity check for the whole account, not a new hoop for every product.

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 15.

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
Documents to start	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
When verification stalls	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.	Call the branch or verify in person

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
Documents to start
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
When verification stalls
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
Call the branch or verify in person

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