HTX does not serve the United States. Its Platform User Agreement lists the United States of America among the jurisdictions prohibited from using all services, which means a U.S. resident may not register, deposit, trade or withdraw. Verification with a U.S. document fails, and the agreement lets HTX suspend an account it later identifies as belonging to a restricted resident, freeze the balance, and move it into a wind-down window. HTX holds no FinCEN registration and no state money transmitter licenses, and there is no U.S. affiliate; the old Huobi entities in Japan and Hong Kong are separate and do not serve Americans either.
The practical risk is the same as at every offshore exchange that bars the U.S.: an American who gets in through a VPN holds a custodial balance that the exchange is entitled to freeze the moment it notices. HTX's reviews include accounts frozen for more than two years, and the geo-block is exactly the kind of thing a risk review catches.
Anytime Capital serves customers worldwide, and U.S. customers directly. Card, Apple Pay and Google Pay pricing starts from 4% with the spread included, cash is accepted at the Atlanta branch and by mail from any state, wires settle the same day, and the OTC desk handles size. There is a phone number, (470) 748-2530, and two offices you can visit. For an American who searched "HTX USA" and found the user agreement, that is the practical answer.