Can I use Coinbase without KYC?

No. Government ID, selfie and Social Security number on every U.S. account; source-of-funds questions on larger activity. 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 Coinbase to Anytime Capital without moving my crypto?

Yes. Withdraw from Coinbase 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

Coinbase

Our pick

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

Q: How does Anytime Capital pricing compare with Coinbase?

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. Coinbase prices a 3.99% fee on debit card purchases in the simple app, plus a spread of roughly 0.5% built into the quoted price, roughly 3.99% on the headline, with network fee on crypto withdrawals; free ACH cash-out, $25 wire cash-out. Blockchain network fees apply at both. Compare the crypto that lands on the same order size rather than the headline rate.

Yes, Coinbase 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, selfie and Social Security number on every U.S. account; source-of-funds questions on larger activity.
Most U.S. accounts are approved in minutes; manual reviews and restricted-account appeals are the ones that run for days or weeks.
Anytime Capital: verify online, or in person at the Atlanta branch

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Updated September 2026. Coinbase 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 Coinbase require KYC?

Yes. Government ID, selfie and Social Security number on every U.S. account; source-of-funds questions on larger activity. Most U.S. accounts are approved in minutes; manual reviews and restricted-account appeals are the ones that run for days or weeks. 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.

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Required
Coinbase identity verification
Compared platform
Minutes
Coinbase 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

Ways to pay: Coinbase vs Anytime Capital

Payment methods live for a customer today

Anytime Capital
Coinbase

Anytime Capital: Apple Pay, Google Pay, Debit card, Credit card, ACH bank transfer, Wire transfer, Cash App, Cash in branch, Cash by mail, each priced as one all-in number from 4% on card orders with the spread included. Coinbase: 5 of those rails, priced a 3.99% fee on debit card purchases in the simple app, plus a spread of roughly 0.5% built into the quoted price, with network fee on crypto withdrawals; free ACH cash-out, $25 wire cash-out. Both exclude blockchain network fees. As of September 2026.

What Coinbase verification involves

Coinbase onboarding is the standard automated flow, tuned for a U.S. audience: email and phone, then your legal name, address, date of birth and Social Security number, then a photo of a government ID and a selfie. Most accounts are approved within minutes. Higher limits and certain activity, such as large deposits or frequent withdrawals, trigger source-of-funds questions and occasionally a request for bank statements.

The complaint that fills Coinbase's reviews is not the first verification. It is the second one, when an account that has been working for years is restricted for a review the customer cannot see, and the phone agent can only say that a specialist team will be in touch. Because Coinbase is custodial, the coins and the cash stay inside during that wait. Anytime Capital verifies identity too, as every U.S. money services business must, but the coins it sells are delivered to a wallet you control, so a later review never locks up what you already bought.

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 Coinbase your recourse is to resubmit and queue for support. 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

Coinbase 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 Coinbase? 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 Bitcoin from 4%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

Coinbase vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 8 of 15.

Category	Coinbase	Our pick
Card purchase fee	A 3.99% fee on debit card purchases in the simple app, plus a spread of roughly 0.5% built into the quoted price	From 4% with the spread included, quoted in full before you confirm
Trading fees	Advanced Trade starts at 0.60% taker / 0.40% maker; simple trades add a spread of about 0.5% plus a flat fee from $0.99 or a percentage on larger orders	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, $10 in and $25 out	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	Yes	Yes
Talk to a human	24/7 phone line, live chat and email, plus a help center	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None for customers	Atlanta branch and Miami office
Where it serves	Coinbase serves all 50 states, including New York under a BitLicense held since 2017. Coinbase, Inc. is registered with FinCEN as a money services business and holds state money transmitter licenses.	Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification	Government ID, selfie and Social Security number on every U.S. account; source-of-funds questions on larger activity.	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	Coinbase Prime and an institutional OTC desk exist, but retail customers are routed to Advanced Trade rather than a named trader	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 FinCEN as a money services business, licensed as a money transmitter across the states, holds a New York BitLicense, and reports to the SEC as a public company.	U.S.-based, FinCEN-registered money services business
Documents to start	Government ID, selfie and Social Security number on every U.S. account; source-of-funds questions on larger activity.	Government ID and selfie
When verification stalls	Coinbase does have a phone number, which is rare among exchanges, but reviewers say the line and chat mostly route to scripted answers and that restricted accounts still wait on an internal review nobody can speed up.	Call the branch or verify in person

Card purchase fee
Coinbase
A 3.99% fee on debit card purchases in the simple app, plus a spread of roughly 0.5% built into the quoted price
Anytime
From 4% with the spread included, quoted in full before you confirm
Trading fees
Coinbase
Advanced Trade starts at 0.60% taker / 0.40% maker; simple trades add a spread of about 0.5% plus a flat fee from $0.99 or a percentage on larger orders
Anytime
One all-in price per order with the spread included, plus an OTC desk for size
Pay with cash
Coinbase
Not offered
Anytime
Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire
Coinbase
Domestic wire deposits accepted, $10 in and $25 out
Anytime
Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay
Coinbase
Yes
Anytime
Yes
Talk to a human
Coinbase
24/7 phone line, live chat and email, plus a help center
Anytime
Phone (470) 748-2530, email, and two walk-in offices
Physical locations
Coinbase
None for customers
Anytime
Atlanta branch and Miami office
Where it serves
Coinbase
Coinbase serves all 50 states, including New York under a BitLicense held since 2017. Coinbase, Inc. is registered with FinCEN as a money services business and holds state money transmitter licenses.
Anytime
Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification
Coinbase
Government ID, selfie and Social Security number on every U.S. account; source-of-funds questions on larger activity.
Anytime
Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card
Coinbase
No FDIC-insured cash account
Anytime
FDIC-insured cash account with a free virtual debit card
Large orders
Coinbase
Coinbase Prime and an institutional OTC desk exist, but retail customers are routed to Advanced Trade rather than a named trader
Anytime
Dedicated OTC desk with a named contact
Custody of your coins
Coinbase
Held in your account until you withdraw
Anytime
Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation
Coinbase
Registered with FinCEN as a money services business, licensed as a money transmitter across the states, holds a New York BitLicense, and reports to the SEC as a public company.
Anytime
U.S.-based, FinCEN-registered money services business
Documents to start
Coinbase
Government ID, selfie and Social Security number on every U.S. account; source-of-funds questions on larger activity.
Anytime
Government ID and selfie
When verification stalls
Coinbase
Coinbase does have a phone number, which is rare among exchanges, but reviewers say the line and chat mostly route to scripted answers and that restricted accounts still wait on an internal review nobody can speed up.
Anytime
Call the branch or verify in person

Ways to pay

9 ways to pay here. 5 at Coinbase.

The rails Coinbase has, it runs well. The ones it does not have are the ones a customer reaches for when a card is declined, an amount is large, or the money is in cash.

MethodCoinbaseAnytime Capital

Apple PayInstant, from your phoneYesYes
Google PayInstant, Android and webYesYes
Debit cardVisa and MastercardYesYes
Credit cardAmex and Discover accepted hereNoYes
ACH bank transferLower cost, settles in business daysYesYes
Domestic wireSame-day for larger ordersYesYes
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 Coinbase 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.

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Ready to leave Coinbase 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 Bitcoin from 4%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