Is Gemini regulated in the United States?

Gemini serves all 50 states. Gemini Trust Company, LLC is chartered by the New York Department of Financial Services as a limited-purpose trust company, which covers New York without a separate BitLicense. Anytime Capital is a FinCEN-registered U.S. money services business with a branch in Atlanta.

Does Gemini 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 Gemini to Anytime Capital without moving my crypto?

Yes. Withdraw from Gemini 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

Gemini

Our pick

Is Gemini legit? What that does and does not mean

Q: Is Gemini a scam?

No. Gemini is a legitimate exchange operating since 2014. Chartered as a New York limited-purpose trust company by NYDFS since 2015, registered with FinCEN, licensed as a money transmitter in states that require it, and an SEC-reporting public company since September 2025.

Q: How does Anytime Capital pricing compare with Gemini?

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. Gemini prices a 3.49% fee on debit card purchases in the app, on top of the convenience fee and the transaction fee, roughly 3.49% on the headline, with a number of free crypto withdrawals each month, then the network fee; free ACH cash-out. Blockchain network fees apply at both. Compare the crypto that lands on the same order size rather than the headline rate.

Gemini is a real exchange 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.

Chartered as a New York limited-purpose trust company by NYDFS since 2015, registered with FinCEN, licensed as a money transmitter in states that require it, and an SEC-reporting public company since September 2025.
Holds your coins until you withdraw
Anytime Capital: a U.S. company you can call or visit

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

Yes. Gemini is a legitimate exchange founded in 2014, based in New York, New York. Chartered as a New York limited-purpose trust company by NYDFS since 2015, registered with FinCEN, licensed as a money transmitter in states that require it, and an SEC-reporting public company since September 2025. Gemini serves U.S. customers. 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.

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2014
the year Gemini was founded
Compared platform
1.4 / 5
Gemini Trustpilot average
Compared platform
2
Anytime Capital walk-in offices
Anytime Capital
8,000+
completed Anytime Capital trades
Anytime Capital

Ways to pay: Gemini vs Anytime Capital

Payment methods live for a customer today

Anytime Capital
Gemini

Anytime Capital: Apple Pay, Google Pay, Debit card, Credit card, ACH bank transfer, Wire transfer, Cash App, Cash in branch, Cash by mail, each priced as one all-in number from 4% on card orders with the spread included. Gemini: 5 of those rails, priced a 3.49% fee on debit card purchases in the app, on top of the convenience fee and the transaction fee, with a number of free crypto withdrawals each month, then the network fee; free ACH cash-out. Both exclude blockchain network fees. As of September 2026.

The checklist: does Gemini pass?

Gemini is one of the most heavily regulated exchanges in the world. It has operated since 2015 under a New York limited-purpose trust charter, which makes it a qualified custodian under state banking law; it is registered with FinCEN and licensed in the states that require it; it has SOC 1 and SOC 2 reports; and since September 2025 it has been a public company reporting to the SEC. It has never suffered a breach of the exchange itself.

The reason its reviews are so poor is not fraud. It is the Earn program, which lent customer assets to Genesis and froze in November 2022, leaving more than $1 billion of customer crypto stuck for over a year before a 2024 settlement returned it in kind. Regulators fined Gemini, and the SEC and New York attorney general both brought cases. Add a reputation for document requests that hold withdrawals and a support model with no phone line, and you get a 1.4 out of 5 Trustpilot score for a company that is, by any legal measure, entirely legitimate. Anytime Capital avoids the whole category of problem by never holding your coins.

Chartered as a New York limited-purpose trust company by NYDFS since 2015, registered with FinCEN, licensed as a money transmitter in states that require it, and an SEC-reporting public company since September 2025.
Operating since 2014, headquartered in New York, New York
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 Gemini and a pattern appears: document requests that stall withdrawals after the account is already verified, layered app fees: convenience fee plus transaction fee plus a card fee, automated support that takes days to reach a person, the earn program freeze of 2022 and the long wait for those funds. These are compliance and process events, not theft, and every regulated platform has them. The difference is what you can do about it. On Gemini 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

Gemini 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 Gemini? 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 Bitcoin 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

Gemini vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 8 of 14.

Category	Gemini	Our pick
Card purchase fee	A 3.49% fee on debit card purchases in the app, on top of the convenience fee and the transaction fee	From 4% with the spread included, quoted in full before you confirm
Trading fees	ActiveTrader starts at about 0.40% taker / 0.20% maker at low volume; the app adds a 0.50% convenience fee plus a transaction fee from $0.99 up to 1.49%	One all-in price per order with the spread included, plus an OTC desk for size
Pay with cash	Not offered	Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire	Domestic wire deposits and withdrawals supported	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	Yes	Yes
Talk to a human	Support tickets and in-app chat; no published phone line for retail customers	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None for customers	Atlanta branch and Miami office
Where it serves	Gemini serves all 50 states. Gemini Trust Company, LLC is chartered by the New York Department of Financial Services as a limited-purpose trust company, which covers New York without a separate BitLicense.	Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification	Government ID, selfie and Social Security number on every account; Gemini is known for follow-up document requests on withdrawals.	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	Gemini runs an institutional OTC desk and Gemini Custody; retail customers are steered to ActiveTrader	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	Chartered as a New York limited-purpose trust company by NYDFS since 2015, registered with FinCEN, licensed as a money transmitter in states that require it, and an SEC-reporting public company since September 2025.	U.S.-based, FinCEN-registered money services business
Way to escalate a problem	Reviewers describe the automated chat as the main obstacle, with real agents reached only after a ticket and a wait.	Phone, email, or in person at the Atlanta branch

Card purchase fee
Gemini
A 3.49% fee on debit card purchases in the app, on top of the convenience fee and the transaction fee
Anytime
From 4% with the spread included, quoted in full before you confirm
Trading fees
Gemini
ActiveTrader starts at about 0.40% taker / 0.20% maker at low volume; the app adds a 0.50% convenience fee plus a transaction fee from $0.99 up to 1.49%
Anytime
One all-in price per order with the spread included, plus an OTC desk for size
Pay with cash
Gemini
Not offered
Anytime
Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire
Gemini
Domestic wire deposits and withdrawals supported
Anytime
Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay
Gemini
Yes
Anytime
Yes
Talk to a human
Gemini
Support tickets and in-app chat; no published phone line for retail customers
Anytime
Phone (470) 748-2530, email, and two walk-in offices
Physical locations
Gemini
None for customers
Anytime
Atlanta branch and Miami office
Where it serves
Gemini
Gemini serves all 50 states. Gemini Trust Company, LLC is chartered by the New York Department of Financial Services as a limited-purpose trust company, which covers New York without a separate BitLicense.
Anytime
Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification
Gemini
Government ID, selfie and Social Security number on every account; Gemini is known for follow-up document requests on withdrawals.
Anytime
Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card
Gemini
No FDIC-insured cash account
Anytime
FDIC-insured cash account with a free virtual debit card
Large orders
Gemini
Gemini runs an institutional OTC desk and Gemini Custody; retail customers are steered to ActiveTrader
Anytime
Dedicated OTC desk with a named contact
Custody of your coins
Gemini
Held in your account until you withdraw
Anytime
Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation
Gemini
Chartered as a New York limited-purpose trust company by NYDFS since 2015, registered with FinCEN, licensed as a money transmitter in states that require it, and an SEC-reporting public company since September 2025.
Anytime
U.S.-based, FinCEN-registered money services business
Way to escalate a problem
Gemini
Reviewers describe the automated chat as the main obstacle, with real agents reached only after a ticket and a wait.
Anytime
Phone, email, or in person at the Atlanta branch

Ways to pay

9 ways to pay here. 5 at Gemini.

The rails Gemini 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.

MethodGeminiAnytime Capital

Apple PayInstant, from your phoneYesYes
Google PayInstant, Android and webYesYes
Debit cardVisa and MastercardYesYes
Credit cardAmex and Discover accepted hereNoYes
ACH bank transferLower cost, settles in business daysYesYes
Domestic wireSame-day for larger ordersYesYes
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 Gemini 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 Gemini 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 Bitcoin 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