How long does Kraken verification take?

Intermediate verification usually completes within an hour; Pro and manual reviews can take several days.

Can I use Kraken without KYC?

No. Government ID, selfie and Social Security number on every U.S. account; Pro and higher limits ask for proof of address. Anytime Capital is the same: verification is required before you can transact, because it is the law for a registered U.S. money services business.

Can I verify with Anytime Capital in person?

Yes. Bring your government ID to the Atlanta branch at 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324 during business hours, or verify online and call (470) 748-2530 if anything stalls.

Can I switch from Kraken to Anytime Capital without moving my crypto?

Yes. Withdraw from Kraken 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 Kraken?

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. Kraken prices a card processing fee of about 3.75% on debit, credit, Apple Pay and Google Pay purchases, on top of a 1% Instant Buy fee and a spread, roughly 3.75% on the headline, with network fee on crypto withdrawals; free ACH cash-out, a small fee on Fedwire withdrawals. 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.

Verification

Kraken

Our pick

Kraken KYC: what it asks for, how long it takes, and why it stalls

Yes, Kraken requires KYC, and so does every legitimate platform. The difference between platforms is not whether they verify you but what happens when the automated check says no.

Government ID, selfie and Social Security number on every U.S. account; Pro and higher limits ask for proof of address.
Intermediate verification usually completes within an hour; Pro and manual reviews can take several days.
Anytime Capital: verify online, or in person at the Atlanta branch

Kraken vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 9 of 15.

Category	Kraken	Our pick
Card purchase fee	A card processing fee of about 3.75% on debit, credit, Apple Pay and Google Pay purchases, on top of a 1% Instant Buy fee and a spread	From 4% with the spread included, quoted in full before you confirm
Trading fees	0.40% taker / 0.25% maker on Kraken Pro at the base tier	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	Fedwire deposits accepted through Kraken's banking partners	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	Yes	Yes
Talk to a human	24/7 live chat and email tickets; voice support only through the app in specific cases	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None for customers	Atlanta branch and Miami office
Where it serves	Kraken serves most of the United States through Payward Ventures, Inc., but has refused New York since the 2015 BitLicense rather than apply for one, and does not serve Washington State; some products are also restricted in Maine and a few other states.	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 U.S. account; Pro and higher limits 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	Kraken has an institutional OTC desk; retail customers are steered to Kraken Pro rather than a named trader	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 with FinCEN as a money services business and licensed as a money transmitter in most states; the SEC's 2023 lawsuit against Kraken was dismissed in March 2025; Kraken has published proof-of-reserves attestations since 2014.	U.S.-based, FinCEN-registered money services business
Documents to start	Government ID, selfie and Social Security number on every U.S. account; Pro and higher limits ask for proof of address.	Government ID and selfie
When verification stalls	Kraken warns that any phone number found online claiming to be Kraken support is a scam; callbacks are offered inside the app for certain issues only.	Call the branch or verify in person

Card purchase fee

Kraken: A card processing fee of about 3.75% on debit, credit, Apple Pay and Google Pay purchases, on top of a 1% Instant Buy fee and a spread
Anytime: From 4% with the spread included, quoted in full before you confirm

Trading fees

Kraken: 0.40% taker / 0.25% maker on Kraken Pro at the base tier
Anytime: One all-in price per order with the spread included, plus an OTC desk for size

Pay with cash

Kraken: Not offered
Anytime: Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.

Domestic wire

Kraken: Fedwire deposits accepted through Kraken's banking partners
Anytime

Kraken KYC: what it asks for, how long it takes, and why it stalls

Does Kraken require KYC?

Ways to pay: Kraken vs Anytime Capital

What Kraken verification involves

Why automated KYC fails good customers

A front door, not a chat window

What verification unlocks

Leaving Kraken? Your wallet address works here too.

Kraken vs Anytime Capital, row by row

9 ways to pay here. 6 at Kraken.

Every major coin, one checkout

Three steps from Kraken to here

Verify once

Pay your way

Receive and keep going

Ready to leave Kraken behind?

Kraken KYC: what it asks for, how long it takes, and why it stalls: FAQ

Other questions people ask before switching

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Important Disclosures