Can I use Coinme without KYC?

No. 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 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 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.

Verification

Our pick

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

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 verifies in tiers: small amounts with less, larger amounts with more. The difference between platforms is not whether they verify you but what happens when the automated check says no.

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.
The kiosk step takes minutes; app verification is automated for most, and reviews describe accounts locked on day one pending a manual check with only chat to follow up.
Anytime Capital: verify online, or in person at the Atlanta branch

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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

Does Coinme require KYC?

In tiers. 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. The kiosk step takes minutes; app verification is automated for most, and reviews describe accounts locked on day one pending a manual check with only chat to follow up. 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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Tiered
Coinme identity verification
Compared platform
Minutes
Coinme 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: 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.

What Coinme verification involves

Coinme's verification is tiered by how much you are doing. At a Coinstar kiosk a small cash purchase asks for a phone number and basic details, and prints a voucher. Redeeming that voucher into the Coinme app, raising limits, or selling requires a government ID and a selfie inside the app. MoneyGram counters and the app's debit purchases run the full check from the start. For most customers the app verification is automated and takes minutes.

The problem case is specific to the kiosk model. The cash is already in the machine when the app decides an account needs a manual review, so a locked account means locked money, and the reviews describe exactly that: a security hold on day one, a voucher that will not redeem, and a chat flow that is hard to get past. Coinme's dispute with Washington's regulator was about what happened to voucher balances that were never redeemed, which is the same gap seen from the other side.

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 Coinme 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

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

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 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 15.

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

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

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.

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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