How long does LBank verification take?

Automated verification takes minutes; accounts flagged for review report waiting weeks with only a ticket to check.

Can I use LBank without KYC?

No. Basic trading and crypto deposits without identity verification, with a daily withdrawal cap; verified accounts submit a government ID and a selfie for higher limits, and compliance reviews can demand more at any point. 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 LBank to Anytime Capital without moving my crypto?

Yes. Withdraw from LBank 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 LBank?

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. LBank prices third-party card purchases through partner processors at whatever rate the partner quotes, and none of them serve U.S. residents; LBank itself charges no card fee because it runs no card rail, with a per-coin network fee set by LBank, which reviewers note runs above the on-chain cost on some networks. 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

LBank

Our pick

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

LBank verifies in tiers: small amounts with less, larger amounts with more. The difference between platforms is not whether they verify you but what happens when the automated check says no.

Basic trading and crypto deposits without identity verification, with a daily withdrawal cap; verified accounts submit a government ID and a selfie for higher limits, and compliance reviews can demand more at any point.
Automated verification takes minutes; accounts flagged for review report waiting weeks with only a ticket to check.

LBank vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 11 of 15.

Category	LBank	Our pick
Card purchase fee	Third-party card purchases through partner processors at whatever rate the partner quotes, and none of them serve U.S. residents; LBank itself charges no card fee because it runs no card rail	From 4% with the spread included, quoted in full before you confirm
Trading fees	0.1% maker and taker on spot at the base tier, 0.02% maker and 0.06% taker on futures	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; no fiat rails for U.S. customers	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 and support tickets; 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	LBank does not serve U.S. customers. Its user agreement excludes residents of the United States, it holds no U.S. license, and there is no separate U.S. entity.	Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification	Basic trading and crypto deposits without identity verification, with a daily withdrawal cap; verified accounts submit a government ID and a selfie for higher limits, and compliance reviews can demand more at any point.	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	Deep books on a few majors, thin on most of its 900-plus listings; no U.S. OTC desk	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 British Virgin Islands and claims registrations in several other jurisdictions; not licensed by FinCEN, any U.S. state, or a major national regulator, and not verifiable beyond its own statements.	U.S.-based, FinCEN-registered money services business
Documents to start	Basic trading and crypto deposits without identity verification, with a daily withdrawal cap; verified accounts submit a government ID and a selfie for higher limits, and compliance reviews can demand more at any point.	Government ID and selfie
When verification stalls	Chat answers quickly for routine questions. Reviewers whose withdrawals were held describe tickets that go unanswered for weeks.	Call the branch or verify in person

Card purchase fee

LBank: Third-party card purchases through partner processors at whatever rate the partner quotes, and none of them serve U.S. residents; LBank itself charges no card fee because it runs no card rail
Anytime: From 4% with the spread included, quoted in full before you confirm

Trading fees

LBank: 0.1% maker and taker on spot at the base tier, 0.02% maker and 0.06% taker on futures
Anytime: One all-in price per order with the spread included, plus an OTC desk for size

Pay with cash

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

Domestic wire

LBank: Not offered; no fiat rails for U.S. customers

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

Does LBank require KYC?

Card pricing at Anytime Capital, where LBank has no card rail

What LBank verification involves

Why automated KYC fails good customers

A front door, not a chat window

What verification unlocks

Leaving LBank? Your wallet address works here too.

LBank vs Anytime Capital, row by row

9 ways to pay here. 0 at LBank.

Every major coin, one checkout

Three steps from LBank to here

Verify once

Pay your way

Receive and keep going

Ready to leave LBank behind?

LBank 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