No. HTX is a legitimate exchange operating since 2013. Registered in the Seychelles with no U.S. federal or state licenses; historic Huobi licenses in Japan and Hong Kong sit with separate entities, and HTX itself holds no authorization from a major Western regulator.

Is HTX regulated in the United States?

HTX's user agreement lists the United States among the jurisdictions prohibited from using all of its services; U.S. residents cannot register, verify or trade, and there is no U.S. affiliate. Anytime Capital is a FinCEN-registered U.S. money services business with a branch in Atlanta.

Does HTX 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 HTX to Anytime Capital without moving my crypto?

Yes. Withdraw from HTX 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.

How does Anytime Capital pricing compare with HTX?

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. HTX prices card purchases routed to third-party processors whose fee and spread appear only inside the partner's checkout; not available to a U.S. customer, with a per-coin network fee set by HTX; crypto deposits are free. Blockchain network fees apply at both. Compare the crypto that lands on the same order size rather than the headline rate.

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

HTX

Our pick

Is HTX legit? What that does and does not mean

HTX is a real exchange that has operated since 2013. 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 in the Seychelles with no U.S. federal or state licenses; historic Huobi licenses in Japan and Hong Kong sit with separate entities, and HTX itself holds no authorization from a major Western regulator.
Holds your coins until you withdraw
Anytime Capital: a U.S. company you can call or visit

HTX 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	HTX	Our pick
Card purchase fee	Card purchases routed to third-party processors whose fee and spread appear only inside the partner's checkout; not available to a U.S. customer	From 4% with the spread included, quoted in full before you confirm
Trading fees	0.2% spot maker and taker at the base tier, reduced when fees are paid in HTX token	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	Not offered to U.S. customers; HTX does not accept U.S. residents	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	No	Yes
Talk to a human	24/7 live chat in the app, tickets and email; no 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	HTX's user agreement lists the United States among the jurisdictions prohibited from using all of its services; U.S. residents cannot register, verify or trade, and there is no U.S. affiliate.	Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification	Government ID and a selfie required to deposit, trade or withdraw; higher tiers ask for proof of address.	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	VIP tiers and an OTC desk for non-U.S. accounts; nothing for a U.S. buyer	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 in the Seychelles with no U.S. federal or state licenses; historic Huobi licenses in Japan and Hong Kong sit with separate entities, and HTX itself holds no authorization from a major Western regulator.	U.S.-based, FinCEN-registered money services business
Way to escalate a problem	Chat usually connects, but the public reviews describe frozen P2P and spot accounts left unresolved for months with automated replies.	Phone, email, or in person at the Atlanta branch

Card purchase fee

HTX: Card purchases routed to third-party processors whose fee and spread appear only inside the partner's checkout; not available to a U.S. customer
Anytime: From 4% with the spread included, quoted in full before you confirm

Trading fees

HTX: 0.2% spot maker and taker at the base tier, reduced when fees are paid in HTX token
Anytime: One all-in price per order with the spread included, plus an OTC desk for size

Pay with cash