No. Changelly is a legitimate on-ramp operating since 2015. Not registered with FinCEN and not licensed as a money transmitter in any U.S. state; Changelly publishes an AML and KYC policy and relies on partner on-ramps' licenses for fiat purchases, and its corporate registration is offshore.

Is Changelly regulated in the United States?

Changelly's terms exclude residents of the United States and its territories, including Puerto Rico, Guam, American Samoa, the Northern Mariana Islands and the U.S. Virgin Islands; U.S. IP addresses are blocked. Anytime Capital is a FinCEN-registered U.S. money services business with a branch in Atlanta.

Does Changelly hold my crypto?

No. Changelly delivers to a wallet you control, the same way Anytime Capital does.

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

Yes. Both send purchased crypto to a wallet address you control, so nothing needs to move. Create an Anytime Capital account, verify once with your ID and a selfie, and paste the same address at checkout.

How does Anytime Capital pricing compare with Changelly?

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. Changelly prices no card rail of its own; fiat purchases are handed to partners such as MoonPay, Banxa, Simplex and Mercuryo, whose fees are widely reported at roughly 1% to 7% plus each partner's minimum, spread and network fee, with the network fee to deliver the swapped coins; Changelly does not hold an account balance for you. 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 Changelly legit? What that does and does not mean

Changelly is a real on-ramp that has operated since 2015. 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.

Not registered with FinCEN and not licensed as a money transmitter in any U.S. state; Changelly publishes an AML and KYC policy and relies on partner on-ramps' licenses for fiat purchases, and its corporate registration is offshore.
Delivers coins to a wallet you control
Anytime Capital: a U.S. company you can call or visit

Changelly 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 rail of its own; fiat purchases are handed to partners such as MoonPay, Banxa, Simplex and Mercuryo, whose fees are widely reported at roughly 1% to 7% plus each partner's minimum, spread and network fee	From 4% with the spread included, quoted in full before you confirm
Bank transfer fee	bank transfer is available only through partners in supported regions	ACH and wire priced per order; wires clear same day for larger amounts
Pay with cash	Not offered	Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire	Not applicable; Changelly does not serve U.S. customers on any rail	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 and email, with a separate compliance address for held transactions; 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	Changelly's terms exclude residents of the United States and its territories, including Puerto Rico, Guam, American Samoa, the Northern Mariana Islands and the U.S. Virgin Islands; U.S. IP addresses are blocked.	Serves customers worldwide, with U.S. branches in Atlanta, Miami and Houston; eligibility confirmed during verification
Identity verification	Swaps run without an account, but Changelly's risk scoring can put a transaction on hold and require ID, a selfie and source-of-funds documents before releasing it; fiat purchases run the partner's full KYC.	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	Large swaps are the most likely to be held for AML review; no desk or named contact	Dedicated OTC desk with a named contact
Custody of your coins	Your own wallet; you hold the keys	Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation	Not registered with FinCEN and not licensed as a money transmitter in any U.S. state; Changelly publishes an AML and KYC policy and relies on partner on-ramps' licenses for fiat purchases, and its corporate registration is offshore.	U.S.-based, FinCEN-registered money services business
Way to escalate a problem	Chat is quick for ordinary questions, but a transaction on hold moves to an email queue with the security team and the pace changes.	Phone, email, or in person at the Atlanta branch

Card purchase fee

Changelly: No card rail of its own; fiat purchases are handed to partners such as MoonPay, Banxa, Simplex and Mercuryo, whose fees are widely reported at roughly 1% to 7% plus each partner's minimum, spread and network fee
Anytime: From 4% with the spread included, quoted in full before you confirm

Bank transfer fee

Changelly: bank transfer is available only through partners in supported regions
Anytime: ACH and wire priced per order; wires clear same day for larger amounts

Pay with cash

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

Domestic wire

Changelly: Not applicable; Changelly does not serve U.S. customers on any rail

Is Changelly legit? What that does and does not mean

Is Changelly legit and safe to use?

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

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

Changelly vs Anytime Capital, row by row

9 ways to pay here. 0 at Changelly.

Every major coin, one checkout

Three steps from Changelly to here

Verify once

Pay your way

Receive and keep going

Ready to leave Changelly behind?