No. bitFlyer is a legitimate exchange operating since 2014. Registered with Japan's Financial Services Agency as a crypto asset exchange; bitFlyer USA is a FinCEN-registered money services business with a New York BitLicense and state money transmitter licenses; bitFlyer Europe is licensed in Luxembourg.

Is bitFlyer regulated in the United States?

bitFlyer serves U.S. customers through bitFlyer USA, Inc., a San Francisco company holding a New York BitLicense and money transmitter licenses that cover 49 states and Washington, D.C.; Hawaii was the remaining gap at our last check. Anytime Capital is a FinCEN-registered U.S. money services business with a branch in Atlanta.

Does bitFlyer 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 bitFlyer to Anytime Capital without moving my crypto?

Yes. Withdraw from bitFlyer 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 bitFlyer?

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. bitFlyer prices no card, Apple Pay or Google Pay purchases in the U.S.; the Buy/Sell screen prices in a spread that bitFlyer discloses as anywhere from 0.1% to 6.0% depending on market conditions, and the money must arrive by ACH or wire first, with a fixed per-coin network fee on crypto withdrawals; USD withdrawals by ACH are free. 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

Our pick

Is bitFlyer legit? What that does and does not mean

bitFlyer is a real exchange that has operated since 2014. 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.

Registered with Japan's Financial Services Agency as a crypto asset exchange; bitFlyer USA is a FinCEN-registered money services business with a New York BitLicense and state money transmitter licenses; bitFlyer Europe is licensed in Luxembourg.
Holds your coins until you withdraw
Anytime Capital: a U.S. company you can call or visit

bitFlyer vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 10 of 14.

Category		Our pick
Card purchase fee	No card, Apple Pay or Google Pay purchases in the U.S.; the Buy/Sell screen prices in a spread that bitFlyer discloses as anywhere from 0.1% to 6.0% depending on market conditions, and the money must arrive by ACH or wire first	From 4% with the spread included, quoted in full before you confirm
Trading fees	0.10% maker and taker at the entry tier on bitFlyer Lightning for U.S. accounts, stepping down toward 0.03% with 30-day volume	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	Domestic wire deposits accepted; about $20 to withdraw by wire	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	No	Yes
Talk to a human	Email and web tickets; no live chat or phone line for U.S. customers	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None for customers	Atlanta branch and Miami office
Where it serves	bitFlyer serves U.S. customers through bitFlyer USA, Inc., a San Francisco company holding a New York BitLicense and money transmitter licenses that cover 49 states and Washington, D.C.; Hawaii was the remaining gap at our last check.	Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification	Government ID, Social Security number and address on every U.S. account, with a selfie check; source-of-funds questions on larger deposits.	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	Lightning order book and volume-tiered fees; no named OTC desk for U.S. retail	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	Registered with Japan's Financial Services Agency as a crypto asset exchange; bitFlyer USA is a FinCEN-registered money services business with a New York BitLicense and state money transmitter licenses; bitFlyer Europe is licensed in Luxembourg.	U.S.-based, FinCEN-registered money services business
Way to escalate a problem	bitFlyer USA answers by ticket. Reviewers who hit a frozen account describe long silences with no one to call.	Phone, email, or in person at the Atlanta branch

Card purchase fee

bitFlyer: No card, Apple Pay or Google Pay purchases in the U.S.; the Buy/Sell screen prices in a spread that bitFlyer discloses as anywhere from 0.1% to 6.0% depending on market conditions, and the money must arrive by ACH or wire first
Anytime: From 4% with the spread included, quoted in full before you confirm

Trading fees

bitFlyer: 0.10% maker and taker at the entry tier on bitFlyer Lightning for U.S. accounts, stepping down toward 0.03% with 30-day volume
Anytime: One all-in price per order with the spread included, plus an OTC desk for size

Pay with cash

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

Domestic wire

bitFlyer: Domestic wire deposits accepted; about $20 to withdraw by wire

Is bitFlyer legit? What that does and does not mean

Is bitFlyer legit and safe to use?

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

The checklist: does bitFlyer 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 bitFlyer? Your wallet address works here too.

bitFlyer vs Anytime Capital, row by row

9 ways to pay here. 2 at bitFlyer.

Every major coin, one checkout

Three steps from bitFlyer to here

Verify once

Pay your way

Receive and keep going

Ready to leave bitFlyer behind?