Is Coinme regulated in the United States?

Coinme is a U.S. company licensed as a money transmitter in 48 states and is not available in New York or Vermont; its cash network runs through Coinstar kiosks and MoneyGram locations in grocery and retail stores. Anytime Capital is a FinCEN-registered U.S. money services business with a branch in Atlanta.

Does Coinme 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 Coinme to Anytime Capital without moving my crypto?

Yes. Withdraw from Coinme 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.

Trust & safety

Our pick

Is Coinme legit? What that does and does not mean

Q: Is Coinme a scam?

No. Coinme is a legitimate on-ramp operating since 2014. Registered with FinCEN as a money services business and licensed as a money transmitter in 48 states since opening the first state-licensed Bitcoin ATM in 2014; Washington's regulator issued a temporary cease-and-desist over an unredeemed voucher product in late 2025 that was paused by agreement while the dispute is resolved.

Q: How does Anytime Capital pricing compare with Coinme?

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. Coinme prices in the Coinme app, a widely reported 1.49% exchange fee plus a 3.25% card processing fee on debit purchases, with a roughly 4% spread in the quoted price on top; at a Coinstar kiosk, a 4% transaction fee plus a spread that brings the reported all-in cash fee to 16.5% at many locations, roughly 4.74%–8.74% on the headline, with coins sit in a Coinme custodial wallet until you send them out, with the network fee charged on the way. Blockchain network fees apply at both. Compare the crypto that lands on the same order size rather than the headline rate.

Coinme is a real on-ramp 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 with FinCEN as a money services business and licensed as a money transmitter in 48 states since opening the first state-licensed Bitcoin ATM in 2014; Washington's regulator issued a temporary cease-and-desist over an unredeemed voucher product in late 2025 that was paused by agreement while the dispute is resolved.
Holds your coins until you withdraw
Anytime Capital: a U.S. company you can call or visit

Buy crypto with cash from 4%Call (470) 748-2530 Buy crypto with cash by mail

Updated September 2026. Coinme 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 Coinme legit and safe to use?

Yes. Coinme is a legitimate on-ramp founded in 2014, based in Seattle, Washington. Registered with FinCEN as a money services business and licensed as a money transmitter in 48 states since opening the first state-licensed Bitcoin ATM in 2014; Washington's regulator issued a temporary cease-and-desist over an unredeemed voucher product in late 2025 that was paused by agreement while the dispute is resolved. Coinme serves the U.S. with restrictions. Because it holds customer funds, the risk to weigh is a frozen account or a platform-level event, not an outright scam. 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 crypto with cash from 4%Call (470) 748-2530 Buy crypto with cash by mail

2014
the year Coinme was founded
Compared platform
2.2 / 5
Coinme 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: Coinme vs Anytime Capital

Published fee percentages on a debit or credit card order

Anytime Capital
Coinme

Coinme: in the Coinme app, a widely reported 1.49% exchange fee plus a 3.25% card processing fee on debit purchases, with a roughly 4% spread in the quoted price on top; at a Coinstar kiosk, a 4% transaction fee plus a spread that brings the reported all-in cash fee to 16.5% at many locations (4.74%–8.74%). 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 Coinme pass?

Coinme is a real, licensed U.S. company with a longer regulatory history than almost any competitor: it opened the first state-licensed Bitcoin ATM in 2014, is registered with FinCEN, and holds money transmitter licenses in 48 states. It has raised money from MoneyGram and others, and in January 2026 Polygon Labs announced it would acquire Coinme in a deal worth more than $250 million, which is not something that happens to a scam. Its kiosk network is inside Coinstar machines in mainstream grocery stores.

Two things belong next to that. The first is its Trustpilot profile, around 2.2 out of 5 across roughly 1,060 reviews, where the worst stories involve cash fed into a kiosk followed by a locked account and a chat bot. The second is a dispute with its own regulator: Washington's Department of Financial Institutions issued a temporary cease-and-desist in late 2025 alleging Coinme had treated more than $8 million of unredeemed voucher balances as income. Coinme called it an accounting disagreement over a discontinued product, and the order was paused by agreement while it is resolved. Neither makes Coinme illegitimate; both say something about what happens to a customer's money in the gap between kiosk and wallet.

Anytime Capital is a U.S. money services business with a storefront in Atlanta and an office in Miami. Cash changes hands across a desk, the coins go to a wallet you control, and a problem ends with a call to (470) 748-2530.

Registered with FinCEN as a money services business and licensed as a money transmitter in 48 states since opening the first state-licensed Bitcoin ATM in 2014; Washington's regulator issued a temporary cease-and-desist over an unredeemed voucher product in late 2025 that was paused by agreement while the dispute is resolved.
Operating since 2014, headquartered in Seattle, Washington
Identity verification required
Holds customer funds; withdraw to your own wallet

What "safe" looks like when a trade goes sideways

Read the one-star reviews of Coinme and a pattern appears: accounts locked or closed right after a kiosk deposit, with the cash already inserted, kiosk fees far above what the screen led people to expect, an automated help flow that is hard to get past, slow or missing redemptions of kiosk vouchers. These are compliance and process events, not theft, and every regulated platform has them. The difference is what you can do about it. On Coinme 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

Coinme 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 Coinme? 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 crypto with cash 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

Coinme 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		Our pick
Card purchase fee	In the Coinme app, a widely reported 1.49% exchange fee plus a 3.25% card processing fee on debit purchases, with a roughly 4% spread in the quoted price on top; at a Coinstar kiosk, a 4% transaction fee plus a spread that brings the reported all-in cash fee to 16.5% at many locations	From 4% with the spread included, quoted in full before you confirm
Bank transfer fee	no ACH or bank funding; the app takes debit cards and the network takes cash	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 offered; Coinme is cash and debit only	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	No	Yes
Talk to a human	Chat and tickets through support.coinme.com and in-app; no published 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	Coinme is a U.S. company licensed as a money transmitter in 48 states and is not available in New York or Vermont; its cash network runs through Coinstar kiosks and MoneyGram locations in grocery and retail stores.	Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification	A phone number and basic details for a small kiosk purchase, then a government ID and a selfie in the app to redeem, raise limits or sell.	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	Kiosk purchases are capped by location, with MoneyGram at $400 per transaction and $2,000 per day; no desk for large orders	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 and licensed as a money transmitter in 48 states since opening the first state-licensed Bitcoin ATM in 2014; Washington's regulator issued a temporary cease-and-desist over an unredeemed voucher product in late 2025 that was paused by agreement while the dispute is resolved.	U.S.-based, FinCEN-registered money services business
Way to escalate a problem	Reviews consistently describe getting past the automated help flow to a person as the hard part, and a locked account with cash already in the kiosk as the worst case.	Phone, email, or in person at the Atlanta branch

Card purchase fee
Coinme
In the Coinme app, a widely reported 1.49% exchange fee plus a 3.25% card processing fee on debit purchases, with a roughly 4% spread in the quoted price on top; at a Coinstar kiosk, a 4% transaction fee plus a spread that brings the reported all-in cash fee to 16.5% at many locations
Anytime
From 4% with the spread included, quoted in full before you confirm
Bank transfer fee
Coinme
no ACH or bank funding; the app takes debit cards and the network takes cash
Anytime
ACH and wire priced per order; wires clear same day for larger amounts
Pay with cash
Coinme
Not offered
Anytime
Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire
Coinme
Not offered; Coinme is cash and debit only
Anytime
Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay
Coinme
No
Anytime
Yes
Talk to a human
Coinme
Chat and tickets through support.coinme.com and in-app; no published phone line
Anytime
Phone (470) 748-2530, email, and two walk-in offices
Physical locations
Coinme
None for customers
Anytime
Atlanta branch and Miami office
Where it serves
Coinme
Coinme is a U.S. company licensed as a money transmitter in 48 states and is not available in New York or Vermont; its cash network runs through Coinstar kiosks and MoneyGram locations in grocery and retail stores.
Anytime
Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification
Coinme
A phone number and basic details for a small kiosk purchase, then a government ID and a selfie in the app to redeem, raise limits or sell.
Anytime
Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card
Coinme
No FDIC-insured cash account
Anytime
FDIC-insured cash account with a free virtual debit card
Large orders
Coinme
Kiosk purchases are capped by location, with MoneyGram at $400 per transaction and $2,000 per day; no desk for large orders
Anytime
Dedicated OTC desk with a named contact
Custody of your coins
Coinme
Held in your account until you withdraw
Anytime
Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation
Coinme
Registered with FinCEN as a money services business and licensed as a money transmitter in 48 states since opening the first state-licensed Bitcoin ATM in 2014; Washington's regulator issued a temporary cease-and-desist over an unredeemed voucher product in late 2025 that was paused by agreement while the dispute is resolved.
Anytime
U.S.-based, FinCEN-registered money services business
Way to escalate a problem
Coinme
Reviews consistently describe getting past the automated help flow to a person as the hard part, and a locked account with cash already in the kiosk as the worst case.
Anytime
Phone, email, or in person at the Atlanta branch

Ways to pay

9 ways to pay here. 2 at Coinme.

The rails Coinme 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.

MethodCoinmeAnytime Capital

Apple PayInstant, from your phoneNoYes
Google PayInstant, Android and webNoYes
Debit cardVisa and MastercardYesYes
Credit cardAmex and Discover accepted hereNoYes
ACH bank transferLower cost, settles in business daysNoYes
Domestic wireSame-day for larger ordersNoYes
Cash AppPay from your Cash App balanceNoYes
Cash in personAtlanta branch, counted at the counterYesYes
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 Coinme 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 crypto with cash from 4%Call (470) 748-2530 Buy crypto with cash by mail

Ready to leave Coinme 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 crypto with cash 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