No. Bithumb is a legitimate exchange operating since 2014. Registered as a virtual asset service provider with South Korea's Financial Intelligence Unit, with a KB Kookmin Bank real-name account partnership since March 2025; under Financial Supervisory Service scrutiny after the February 2026 bitcoin payout error.

Is Bithumb regulated in the United States?

Bithumb does not serve U.S. customers. It trades only in Korean won, requires a Korean phone number and a KB Kookmin Bank real-name account, and does not open accounts for nonresidents. Anytime Capital is a FinCEN-registered U.S. money services business with a branch in Atlanta.

Does Bithumb 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 Bithumb to Anytime Capital without moving my crypto?

Yes. Withdraw from Bithumb 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 Bithumb?

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. Bithumb prices no card, Apple Pay or Google Pay purchases; funding is a Korean-won transfer from a linked KB Kookmin Bank account, so there is no card fee because there is no card, with a fixed per-coin network fee set by Bithumb and shown before you confirm. 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

Bithumb

Our pick

Is Bithumb legit? What that does and does not mean

Bithumb 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 as a virtual asset service provider with South Korea's Financial Intelligence Unit, with a KB Kookmin Bank real-name account partnership since March 2025; under Financial Supervisory Service scrutiny after the February 2026 bitcoin payout error.
Holds your coins until you withdraw

Bithumb 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	Bithumb	Our pick
Card purchase fee	No card, Apple Pay or Google Pay purchases; funding is a Korean-won transfer from a linked KB Kookmin Bank account, so there is no card fee because there is no card	From 4% with the spread included, quoted in full before you confirm
Trading fees	0.04% list rate on KRW pairs, with fee coupons and recurring zero-fee promotions that have covered hundreds of won markets	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 available; U.S. dollars cannot be deposited	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	No	Yes
Talk to a human	Korean-language customer center and in-app inquiries; no English or U.S. 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	Bithumb does not serve U.S. customers. It trades only in Korean won, requires a Korean phone number and a KB Kookmin Bank real-name account, and does not open accounts for nonresidents.	Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification	Korean mobile phone identification, a government ID or Alien Registration Card, and a KB Kookmin Bank account in the same name; Bithumb has barred foreigners who cannot complete Korean phone verification since 2018.	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	Deep won liquidity for Korean accounts; nothing for U.S. customers	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 as a virtual asset service provider with South Korea's Financial Intelligence Unit, with a KB Kookmin Bank real-name account partnership since March 2025; under Financial Supervisory Service scrutiny after the February 2026 bitcoin payout error.	U.S.-based, FinCEN-registered money services business
Way to escalate a problem	Support serves Korean residents in Korean. There is no U.S. number and no English-language escalation path.	Phone, email, or in person at the Atlanta branch

Card purchase fee

Bithumb: No card, Apple Pay or Google Pay purchases; funding is a Korean-won transfer from a linked KB Kookmin Bank account, so there is no card fee because there is no card
Anytime: From 4% with the spread included, quoted in full before you confirm

Trading fees

Bithumb: 0.04% list rate on KRW pairs, with fee coupons and recurring zero-fee promotions that have covered hundreds of won markets
Anytime: One all-in price per order with the spread included, plus an OTC desk for size

Pay with cash