Is Exodus regulated in the United States?

Exodus is a U.S. company and its wallet works in every state; buying inside it runs on MoonPay's and Ramp's U.S. licensing, and XO Ramp, Exodus's own checkout, is available in the United States and Puerto Rico with a debit card or Apple Pay. Anytime Capital is a FinCEN-registered U.S. money services business with a branch in Atlanta.

Does Exodus hold my crypto?

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

Can I switch from Exodus 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

Exodus

Our pick

Is Exodus legit? What that does and does not mean

Q: Is Exodus a scam?

No. Exodus is a legitimate wallet operating since 2015. Exodus Movement, Inc. is a public company that files with the SEC, but the wallet is software and holds no money transmitter license; the on-ramps inside it, MoonPay and Ramp, are FinCEN-registered money services businesses with state licenses, and Exodus has said its planned U.S. dollar stablecoin with MoonPay and M0 will be fully reserved.

Q: How does Anytime Capital pricing compare with Exodus?

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. Exodus prices no card rail of its own; a card or Apple Pay purchase in Exodus is a MoonPay, Ramp or XO Ramp order, and Exodus's knowledge base describes a MoonPay purchase as carrying three charges, a MoonPay fee, an Exodus ecosystem fee and the network fee, with MoonPay's published card rate at 4.5% before the ecosystem fee, with none from Exodus; sending coins out of the wallet costs only the network fee, which Exodus lets you set. Blockchain network fees apply at both. Compare the crypto that lands on the same order size rather than the headline rate.

Exodus is a real wallet that has operated since 2015. 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.

Exodus Movement, Inc. is a public company that files with the SEC, but the wallet is software and holds no money transmitter license; the on-ramps inside it, MoonPay and Ramp, are FinCEN-registered money services businesses with state licenses, and Exodus has said its planned U.S. dollar stablecoin with MoonPay and M0 will be fully reserved.
Delivers coins to a wallet you control
Anytime Capital: a U.S. company you can call or visit

Get the free wallet Call (470) 748-2530 Buy Bitcoin now

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

Yes. Exodus is a legitimate wallet founded in 2015, based in Omaha, Nebraska. Exodus Movement, Inc. is a public company that files with the SEC, but the wallet is software and holds no money transmitter license; the on-ramps inside it, MoonPay and Ramp, are FinCEN-registered money services businesses with state licenses, and Exodus has said its planned U.S. dollar stablecoin with MoonPay and M0 will be fully reserved. Exodus serves U.S. customers. 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.

Get the free wallet Call (470) 748-2530 Buy Bitcoin now

2015
the year Exodus was founded
Compared platform
4.1 / 5
Exodus Trustpilot average
Compared platform
2
Anytime Capital walk-in offices
Anytime Capital
8,000+
completed Anytime Capital trades
Anytime Capital

Card pricing at Anytime Capital, where Exodus has no card rail

Published fee percentages on a debit or credit card order

Exodus does not sell crypto for a card payment directly: no card rail of its own; a card or Apple Pay purchase in Exodus is a MoonPay, Ramp or XO Ramp order, and Exodus's knowledge base describes a MoonPay purchase as carrying three charges, a MoonPay fee, an Exodus ecosystem fee and the network fee, with MoonPay's published card rate at 4.5% before the ecosystem fee. Anytime Capital card pricing starts from 4% and is shown in full before you confirm, excluding network fees. As of September 2026.

The checklist: does Exodus pass?

Exodus is legitimate by a standard few wallets can meet: it is a U.S. public company. Exodus Movement, Inc. was founded in 2015, is based in Omaha, Nebraska, and has traded on NYSE American under EXOD since 2024, which means audited financials and SEC filings. The wallet is non-custodial, so Exodus never holds your coins; a 12-word phrase on your device does. Its Trustpilot profile of about 4,400 reviews averages 4.1 out of 5, and its support is consistently described as responsive.

Two caveats belong next to that. The first is that the wallet is closed-source, which security-minded users hold against it, and Exodus has chosen that deliberately. The second is that Exodus is not a licensed money transmitter and does not need to be, because buying and selling inside it is done by MoonPay, Ramp and XO Ramp under their own licensing; a purchase problem is theirs to fix. The most common danger around Exodus is not Exodus at all but impersonation: fake support numbers and phishing sites, which is why Exodus states that it has no phone support.

Anytime Capital is a U.S. money services business with a storefront in Atlanta and an office in Miami. Its wallet is non-custodial too, its cash account is FDIC-insured, and a question about either is answered by a person at (470) 748-2530, which is a real number on a real page rather than a search result.

Exodus Movement, Inc. is a public company that files with the SEC, but the wallet is software and holds no money transmitter license; the on-ramps inside it, MoonPay and Ramp, are FinCEN-registered money services businesses with state licenses, and Exodus has said its planned U.S. dollar stablecoin with MoonPay and M0 will be fully reserved.
Operating since 2015, headquartered in Omaha, Nebraska
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 Exodus and a pattern appears: swap and purchase costs well above the advertised headline once spreads and partner fees land, partner purchase flows that decline or hold, with exodus unable to intervene, fake exodus support numbers and phishing sites, closed-source code, which security-minded users dislike. These are compliance and process events, not theft, and every regulated platform has them. The difference is what you can do about it. On Exodus 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

Exodus 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 Exodus? 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.

Get the free wallet 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

Exodus 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	Exodus	Our pick
Card purchase fee	No card rail of its own; a card or Apple Pay purchase in Exodus is a MoonPay, Ramp or XO Ramp order, and Exodus's knowledge base describes a MoonPay purchase as carrying three charges, a MoonPay fee, an Exodus ecosystem fee and the network fee, with MoonPay's published card rate at 4.5% before the ecosystem fee	From 4% with the spread included, quoted in full before you confirm
Bank transfer fee	ACH or bank transfer through MoonPay or Ramp where available, at the partner's rate	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; bank funding is the partner's ACH where available	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	Partial	Yes
Talk to a human	24/7 email and in-app support tickets; no phone line, and Exodus warns that any phone number claiming to be Exodus support is a scam	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None for customers	Atlanta branch and Miami office
Where it serves	Exodus is a U.S. company and its wallet works in every state; buying inside it runs on MoonPay's and Ramp's U.S. licensing, and XO Ramp, Exodus's own checkout, is available in the United States and Puerto Rico with a debit card or Apple Pay.	Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification	The wallet itself asks for nothing, not even an email; buying runs the partner's verification, with a government ID and a selfie on the first purchase.	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	Limits are the partner's verification tiers; no desk for a large order	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	Exodus Movement, Inc. is a public company that files with the SEC, but the wallet is software and holds no money transmitter license; the on-ramps inside it, MoonPay and Ramp, are FinCEN-registered money services businesses with state licenses, and Exodus has said its planned U.S. dollar stablecoin with MoonPay and M0 will be fully reserved.	U.S.-based, FinCEN-registered money services business
Way to escalate a problem	Exodus support is well regarded for wallet questions, but a purchase problem belongs to MoonPay or Ramp and Exodus can only point you there.	Phone, email, or in person at the Atlanta branch

Card purchase fee
Exodus
No card rail of its own; a card or Apple Pay purchase in Exodus is a MoonPay, Ramp or XO Ramp order, and Exodus's knowledge base describes a MoonPay purchase as carrying three charges, a MoonPay fee, an Exodus ecosystem fee and the network fee, with MoonPay's published card rate at 4.5% before the ecosystem fee
Anytime
From 4% with the spread included, quoted in full before you confirm
Bank transfer fee
Exodus
ACH or bank transfer through MoonPay or Ramp where available, at the partner's rate
Anytime
ACH and wire priced per order; wires clear same day for larger amounts
Pay with cash
Exodus
Not offered
Anytime
Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire
Exodus
Not offered; bank funding is the partner's ACH where available
Anytime
Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay
Exodus
Partial
Anytime
Yes
Talk to a human
Exodus
24/7 email and in-app support tickets; no phone line, and Exodus warns that any phone number claiming to be Exodus support is a scam
Anytime
Phone (470) 748-2530, email, and two walk-in offices
Physical locations
Exodus
None for customers
Anytime
Atlanta branch and Miami office
Where it serves
Exodus
Exodus is a U.S. company and its wallet works in every state; buying inside it runs on MoonPay's and Ramp's U.S. licensing, and XO Ramp, Exodus's own checkout, is available in the United States and Puerto Rico with a debit card or Apple Pay.
Anytime
Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification
Exodus
The wallet itself asks for nothing, not even an email; buying runs the partner's verification, with a government ID and a selfie on the first purchase.
Anytime
Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card
Exodus
No FDIC-insured cash account
Anytime
FDIC-insured cash account with a free virtual debit card
Large orders
Exodus
Limits are the partner's verification tiers; no desk for a large order
Anytime
Dedicated OTC desk with a named contact
Custody of your coins
Exodus
Your own wallet; you hold the keys
Anytime
Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation
Exodus
Exodus Movement, Inc. is a public company that files with the SEC, but the wallet is software and holds no money transmitter license; the on-ramps inside it, MoonPay and Ramp, are FinCEN-registered money services businesses with state licenses, and Exodus has said its planned U.S. dollar stablecoin with MoonPay and M0 will be fully reserved.
Anytime
U.S.-based, FinCEN-registered money services business
Way to escalate a problem
Exodus
Exodus support is well regarded for wallet questions, but a purchase problem belongs to MoonPay or Ramp and Exodus can only point you there.
Anytime
Phone, email, or in person at the Atlanta branch

Ways to pay

9 ways to pay here. 3 at Exodus.

The rails Exodus 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.

MethodExodusAnytime Capital

Apple PayInstant, from your phoneYesYes
Google PayInstant, Android and webLimitedYes
Debit cardVisa and MastercardYesYes
Credit cardAmex and Discover accepted hereYesYes
ACH bank transferLower cost, settles in business daysLimitedYes
Domestic wireSame-day for larger ordersNoYes
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 Exodus 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.

Get the free wallet Call (470) 748-2530 Buy Bitcoin now

Ready to leave Exodus 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

Get the free wallet 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