Is Coinmama regulated in the United States?

Coinmama serves 48 U.S. states as a FinCEN-registered money services business, but its restricted-regions page excludes New York and Louisiana; earlier lists also excluded Hawaii. Anytime Capital is a FinCEN-registered U.S. money services business with a branch in Atlanta.

Does Coinmama hold my crypto?

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

Can I switch from Coinmama 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.

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 Coinmama legit? What that does and does not mean

Q: Is Coinmama a scam?

No. Coinmama is a legitimate on-ramp operating since 2013. Cmama Ltd. is registered with FinCEN as a money services business and with FINTRAC in Canada; it operates under Irish company registration rather than a U.S. state money transmitter license of its own, and it does not publish a state-by-state licensing list.

Q: How does Anytime Capital pricing compare with Coinmama?

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. Coinmama prices a commission of 3.90% for new customers, falling to 0.99% at the top loyalty tier, plus a 4.99% card express fee, plus the network fee and a rate spread; a first-time card buyer pays 8.89% before spread, roughly 5.98%–8.89% on the headline, with none; coins are sent to the wallet address you provide, with the network fee built into the quote. Blockchain network fees apply at both. Compare the crypto that lands on the same order size rather than the headline rate.

Coinmama is a real on-ramp that has operated since 2013. 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.

Cmama Ltd. is registered with FinCEN as a money services business and with FINTRAC in Canada; it operates under Irish company registration rather than a U.S. state money transmitter license of its own, and it does not publish a state-by-state licensing list.
Delivers coins to a wallet you control
Anytime Capital: a U.S. company you can call or visit

Buy with Apple Pay from 4%Call (470) 748-2530 Buy Bitcoin now

Updated September 2026. Coinmama 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

Is Coinmama legit and safe to use?

Yes. Coinmama is a legitimate on-ramp founded in 2013, based in Ramat Gan, Israel, with the operating company registered in Dublin, Ireland. Cmama Ltd. is registered with FinCEN as a money services business and with FINTRAC in Canada; it operates under Irish company registration rather than a U.S. state money transmitter license of its own, and it does not publish a state-by-state licensing list. Coinmama serves the U.S. with restrictions. It does not hold your coins, so the risks are declined payments and verification holds rather than lost funds. What it does not offer is a phone number or a place to walk into, which is why many customers prefer Anytime Capital when something needs a human.

Buy with Apple Pay from 4%Call (470) 748-2530 Buy Bitcoin now

2013
the year Coinmama was founded
Compared platform
3.6 / 5
Coinmama Trustpilot average
Compared platform
2
Anytime Capital walk-in offices
Anytime Capital
8,000+
completed Anytime Capital trades
Anytime Capital

What a card purchase costs: Coinmama vs Anytime Capital

Published fee percentages on a debit or credit card order

Anytime Capital
Coinmama

Coinmama: a commission of 3.90% for new customers, falling to 0.99% at the top loyalty tier, plus a 4.99% card express fee, plus the network fee and a rate spread; a first-time card buyer pays 8.89% before spread (5.98%–8.89%). Anytime Capital: from 4%, shown in full before you confirm. Both exclude blockchain network fees. Published schedules as of September 2026; confirm your exact quote in each checkout.

The checklist: does Coinmama pass?

Coinmama is legitimate by any reasonable test. It has operated since 2013, which is older than most exchanges, and its operating company, Cmama Ltd., is registered in Ireland, registered with FinCEN as a money services business for its U.S. customers, and registered with FINTRAC in Canada. It verifies every customer with ID and a selfie before a first purchase. And it never holds your coins: every order is sent to the wallet address you enter, so there is no balance for a hack or an insolvency to take.

Its public reviews are middling rather than alarming: a Trustpilot profile around 3.6 out of 5 across roughly 880 reviews. The complaints are about cost, about accounts closed after verification with a slow refund, and about email replies that take a day or two. Those are process complaints, and they describe a company that is careful with compliance and thin on support, not a fraud. One thing Coinmama does not publish is a list of U.S. state money transmitter licenses of its own, which is why it excludes New York and Louisiana.

Anytime Capital is a U.S. money services business with a storefront in Atlanta and an office in Miami. The same identity checks and bank declines happen here, because they are part of the business. The difference is that a stuck order ends with a call to (470) 748-2530 rather than a 48-hour inbox.

Cmama Ltd. is registered with FinCEN as a money services business and with FINTRAC in Canada; it operates under Irish company registration rather than a U.S. state money transmitter license of its own, and it does not publish a state-by-state licensing list.
Operating since 2013, headquartered in Ramat Gan, Israel, with the operating company registered in Dublin, Ireland
Identity verification required
Non-custodial delivery to your own wallet

What "safe" looks like when a trade goes sideways

Read the one-star reviews of Coinmama and a pattern appears: all-in cost far above the headline commission once the card fee and spread land, accounts closed or orders canceled after verification with a slow refund, verification stuck at level 2 for days, email-only support that takes a day or two to answer. These are compliance and process events, not theft, and every regulated platform has them. The difference is what you can do about it. On Coinmama you open a ticket or a chat and wait. At Anytime Capital you call (470) 748-2530 and speak to someone who can see the order, or walk into the Atlanta branch at 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324 and resolve it across a desk.

A front door, not a chat window

Coinmama 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

How to protect yourself on any platform

Use the real website address and never a link from a message. Turn on two-factor authentication. Send your first purchase to a wallet you already control and confirm it arrives before buying more. Keep a screenshot of the confirmation screen with the fees. And if anyone contacts you claiming to be from any exchange and asks you to move money, hang up and call the number on the company's own site.

Leaving Coinmama? 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 with Apple Pay 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

Coinmama vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 9 of 14.

Category		Our pick
Card purchase fee	A commission of 3.90% for new customers, falling to 0.99% at the top loyalty tier, plus a 4.99% card express fee, plus the network fee and a rate spread; a first-time card buyer pays 8.89% before spread	From 4% with the spread included, quoted in full before you confirm
Bank transfer fee	the same 0.99% to 3.90% commission without the card express fee, on bank transfers where offered	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	Bank transfer is offered in some markets with a higher minimum; check the U.S. option at checkout	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	Yes	Yes
Talk to a human	Email at support@coinmama.com and a web form, with live chat during business hours; 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	Coinmama serves 48 U.S. states as a FinCEN-registered money services business, but its restricted-regions page excludes New York and Louisiana; earlier lists also excluded Hawaii.	Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification	Government ID and a selfie at Level 1, proof of address and a KYC questionnaire at Level 2 for limits up to $50,000, and source-of-funds documents at Level 3 for up to $1,000,000.	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	Cards cap at $20,000 per transaction; higher totals go through Level 3 verification, with no dedicated desk	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	Cmama Ltd. is registered with FinCEN as a money services business and with FINTRAC in Canada; it operates under Irish company registration rather than a U.S. state money transmitter license of its own, and it does not publish a state-by-state licensing list.	U.S.-based, FinCEN-registered money services business
Way to escalate a problem	Coinmama says email replies typically take 24 to 48 hours, and the chat is not around the clock, so a weekend hold waits until Monday.	Phone, email, or in person at the Atlanta branch

Card purchase fee
Coinmama
A commission of 3.90% for new customers, falling to 0.99% at the top loyalty tier, plus a 4.99% card express fee, plus the network fee and a rate spread; a first-time card buyer pays 8.89% before spread
Anytime
From 4% with the spread included, quoted in full before you confirm
Bank transfer fee
Coinmama
the same 0.99% to 3.90% commission without the card express fee, on bank transfers where offered
Anytime
ACH and wire priced per order; wires clear same day for larger amounts
Pay with cash
Coinmama
Not offered
Anytime
Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire
Coinmama
Bank transfer is offered in some markets with a higher minimum; check the U.S. option at checkout
Anytime
Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay
Coinmama
Yes
Anytime
Yes
Talk to a human
Coinmama
Email at support@coinmama.com and a web form, with live chat during business hours; no phone line
Anytime
Phone (470) 748-2530, email, and two walk-in offices
Physical locations
Coinmama
None for customers
Anytime
Atlanta branch and Miami office
Where it serves
Coinmama
Coinmama serves 48 U.S. states as a FinCEN-registered money services business, but its restricted-regions page excludes New York and Louisiana; earlier lists also excluded Hawaii.
Anytime
Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification
Coinmama
Government ID and a selfie at Level 1, proof of address and a KYC questionnaire at Level 2 for limits up to $50,000, and source-of-funds documents at Level 3 for up to $1,000,000.
Anytime
Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card
Coinmama
No FDIC-insured cash account
Anytime
FDIC-insured cash account with a free virtual debit card
Large orders
Coinmama
Cards cap at $20,000 per transaction; higher totals go through Level 3 verification, with no dedicated desk
Anytime
Dedicated OTC desk with a named contact
Custody of your coins
Coinmama
Your own wallet; you hold the keys
Anytime
Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation
Coinmama
Cmama Ltd. is registered with FinCEN as a money services business and with FINTRAC in Canada; it operates under Irish company registration rather than a U.S. state money transmitter license of its own, and it does not publish a state-by-state licensing list.
Anytime
U.S.-based, FinCEN-registered money services business
Way to escalate a problem
Coinmama
Coinmama says email replies typically take 24 to 48 hours, and the chat is not around the clock, so a weekend hold waits until Monday.
Anytime
Phone, email, or in person at the Atlanta branch

Ways to pay

9 ways to pay here. 4 at Coinmama.

The rails Coinmama 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.

MethodCoinmamaAnytime Capital

Apple PayInstant, from your phoneYesYes
Google PayInstant, Android and webYesYes
Debit cardVisa and MastercardYesYes
Credit cardAmex and Discover accepted hereYesYes
ACH bank transferLower cost, settles in business daysNoYes
Domestic wireSame-day for larger ordersLimitedYes
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 Coinmama 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 with Apple Pay from 4%Call (470) 748-2530 Buy Bitcoin now

Ready to leave Coinmama 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 with Apple Pay 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