No. OKX is a legitimate exchange operating since 2017. OKX Inc. is registered with FinCEN and licensed as a money transmitter in more than 40 states; the global entity pled guilty in February 2025 to operating an unlicensed money transmitting business and paid about $505 million to the U.S. Department of Justice.

Is OKX regulated in the United States?

OKX US launched in April 2025 under OKX Inc., a FinCEN-registered money services business with state money transmitter licenses, headquartered in San Jose. It is not available in New York or Texas, and some sources also list Hawaii, Kentucky, Nevada and West Virginia as excluded, so check the current list before signing up. Anytime Capital is a FinCEN-registered U.S. money services business with a branch in Atlanta.

Does OKX 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 OKX to Anytime Capital without moving my crypto?

Yes. Withdraw from OKX 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 OKX?

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. OKX prices card purchases on OKX are routed through third-party providers whose fees vary by provider and card, typically a few percent plus a spread, with a per-coin withdrawal fee set by OKX; 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.

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

OKX

Our pick

Is OKX legit? What that does and does not mean

OKX is a real exchange that has operated since 2017. 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.

OKX Inc. is registered with FinCEN and licensed as a money transmitter in more than 40 states; the global entity pled guilty in February 2025 to operating an unlicensed money transmitting business and paid about $505 million to the U.S. Department of Justice.
Holds your coins until you withdraw

OKX vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 10 of 14.

Category	OKX	Our pick
Card purchase fee	Card purchases on OKX are routed through third-party providers whose fees vary by provider and card, typically a few percent plus a spread	From 4% with the spread included, quoted in full before you confirm
Trading fees	0.10% taker / 0.08% maker on spot at the base tier, falling with volume	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	USD wire deposits and withdrawals supported for U.S. customers	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	Partial	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	OKX US launched in April 2025 under OKX Inc., a FinCEN-registered money services business with state money transmitter licenses, headquartered in San Jose. It is not available in New York or Texas, and some sources also list Hawaii, Kentucky, Nevada and West Virginia as excluded, so check the current list before signing up.	Serves customers worldwide, with U.S. branches in Atlanta, Miami and Houston; eligibility confirmed during verification
Identity verification	Government ID, selfie and Social Security number on every U.S. account; signup is blocked at the KYC step in restricted states.	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	OKX runs an institutional OTC desk and block-trading tools; retail customers use the order book	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	OKX Inc. is registered with FinCEN and licensed as a money transmitter in more than 40 states; the global entity pled guilty in February 2025 to operating an unlicensed money transmitting business and paid about $505 million to the U.S. Department of Justice.	U.S.-based, FinCEN-registered money services business
Way to escalate a problem	OKX replies to most public complaints, but reviewers describe generic chat responses and long waits on frozen-account cases.	Phone, email, or in person at the Atlanta branch

Card purchase fee

OKX: Card purchases on OKX are routed through third-party providers whose fees vary by provider and card, typically a few percent plus a spread
Anytime: From 4% with the spread included, quoted in full before you confirm

Trading fees

OKX: 0.10% taker / 0.08% maker on spot at the base tier, falling with volume
Anytime: One all-in price per order with the spread included, plus an OTC desk for size

Pay with cash