Can I use Coinmama without KYC?

No. 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 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 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.

Verification

Our pick

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

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.

Yes, Coinmama 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 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.
Coinmama says most Level 1 approvals are automated and take minutes; Level 2 and 3 are manual and can take a business day or longer.
Anytime Capital: verify online, or in person at the Atlanta branch

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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

Does Coinmama require KYC?

Yes. 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. Coinmama says most Level 1 approvals are automated and take minutes; Level 2 and 3 are manual and can take a business day or longer. 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
Coinmama identity verification
Compared platform
Minutes
Coinmama 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

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.

What Coinmama verification involves

Coinmama's verification is tiered, and the tiers are published. Level 1 asks for a government ID and a selfie and covers ordinary purchases. Level 2 adds proof of address and a KYC questionnaire and raises the cap to $50,000 of lifetime purchases. Level 3 asks for source-of-funds documents and raises it to $1,000,000. Coinmama says Level 1 is mostly automated and takes minutes; Levels 2 and 3 are reviewed by people and can take a business day or longer, and reviews describe some Level 2 applications sitting for days.

Because Coinmama is a standalone site rather than a widget, the verification happens on coinmama.com in a normal browser, which avoids the stuck-web-view problem that embedded on-ramps collect. The recurring complaint is what happens after approval: some customers report an account closed or an order canceled on a later compliance check, with the refund arriving by card reversal over a week or two. Coinmama's KYC questionnaire asks about purpose and source of funds up front, which is worth answering carefully.

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 Coinmama your recourse is to resubmit and open a ticket. 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

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

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 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 15.

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
Documents to start	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
When verification stalls	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.	Call the branch or verify in person

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
Documents to start
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
When verification stalls
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
Call the branch or verify in person

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