Gate's Trustpilot profile has roughly 1,400 reviews, and the headline score reported by third parties ranges from below 2 to nearly 4 depending on the domain checked and the month, so treat any single number with suspicion. Capterra reviews from traders rating the product are kinder. What is consistent across all of them is the split between what the product does and what the risk controls do.
The positive reviews describe a very long altcoin list, especially for newer projects, useful trading bots, a published fee schedule, and 24/7 chat agents who answer. The negative reviews describe withdrawals that became painful or impossible after deposits went through easily, accounts locked without warning, tokens delisted with little notice, and tickets that waited two days on an urgent problem. Several call it a scam, which it is not, but that is the word people reach for when their balance is locked and nobody will say why.
Anytime Capital was built to remove each of those: a person to call when a review stalls, a non-custodial wallet so there is nothing to lock, and U.S. licensing so the account is available to you in the first place.