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.

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

Q: Is OKX a scam?

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.

Q: 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.

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
Anytime Capital: a U.S. company you can call or visit

Buy Bitcoin from 4%Call (470) 748-2530 Get an OTC quote

Updated September 2026. OKX figures from its published pricing, terms and independent reviews.

FinCEN-registered U.S. money services business
Atlanta branch · Miami office
8,000+ completed trades
FDIC-insured cash account

Quick answer

Is OKX legit and safe to use?

Yes. OKX is a legitimate exchange founded in 2017, based in Seychelles (global); San Jose, California (U.S.). 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. OKX serves the U.S. with restrictions. Because it holds customer funds, the risk to weigh is a frozen account or a platform-level event, not an outright scam. What it does not offer is a phone number or a place to walk into, which is why many customers prefer Anytime Capital when something needs a human.

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2017
the year OKX was founded
Compared platform
2.2 to 2.9 / 5
OKX Trustpilot average
Compared platform
2
Anytime Capital walk-in offices
Anytime Capital
8,000+
completed Anytime Capital trades
Anytime Capital

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

Published fee percentages on a debit or credit card order

OKX does not sell crypto for a card payment directly: 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 Capital card pricing starts from 4% and is shown in full before you confirm, excluding network fees. As of September 2026.

The checklist: does OKX pass?

OKX today is a licensed U.S. business. OKX Inc. is registered with FinCEN as a money services business, holds money transmitter licenses in more than 40 states, and has operated from San Jose since April 2025 under a U.S. CEO. The global platform is one of the largest in the world, holds a MiCA license in Europe and licenses in Dubai and Singapore, and publishes proof-of-reserves reports. Customer funds have not been lost to a breach of the exchange.

The reason the question comes up is the record before 2025. OKX's Seychelles operator served U.S. customers for years without a license, and in February 2025 it pled guilty to operating an unlicensed money transmitting business and paid about $505 million to the Department of Justice. That is the largest penalty of its kind, and it is why OKX's U.S. business now exists in the form it does. The exchange is legitimate; the U.S. product is young. Anytime Capital's model, delivering coins to a wallet you control from a company with a branch and a phone number, does not depend on either point.

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.
Operating since 2017, headquartered in Seychelles (global); San Jose, California (U.S.)
Identity verification required
Holds customer funds; withdraw to your own wallet

What "safe" looks like when a trade goes sideways

Read the one-star reviews of OKX and a pattern appears: accounts frozen and withdrawals blocked pending review, generic responses from chat support, confusion between the global platform and the separate u.s. product, card purchases routed to third parties with their own fees. These are compliance and process events, not theft, and every regulated platform has them. The difference is what you can do about it. On OKX you open a ticket or a chat and wait. At Anytime Capital you call (470) 748-2530 and speak to someone who can see the order, or walk into the Atlanta branch at 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324 and resolve it across a desk.

A front door, not a chat window

OKX is built to be used through a screen. We are built to be visited. Bring cash, bring questions, or bring a problem another platform could not solve.

Atlanta branch: 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324
Hours: Mon–Fri 10am–5pm · Sat 10am–2pm
Phone: (470) 748-2530

Anytime Capital branch storefront on Piedmont Road in Atlanta — Atlanta branch, Piedmont Road NE

One Biscayne Tower in Miami, home of the Anytime Capital Miami office — Miami office, One Biscayne Tower

How to protect yourself on any platform

Use the real website address and never a link from a message. Turn on two-factor authentication. Send your first purchase to a wallet you already control and confirm it arrives before buying more. Keep a screenshot of the confirmation screen with the fees. And if anyone contacts you claiming to be from any exchange and asks you to move money, hang up and call the number on the company's own site.

Leaving OKX? Your wallet address works here too.

Verify once with your ID and a selfie, pick a coin, choose any of nine ways to pay, and paste any wallet address you control. Card and Apple Pay orders confirm in minutes; wires settle the same business day.

Buy Bitcoin from 4%Open a free account

Non-custodial wallet, or your own address
FDIC-insured cash account with a free debit card
(470) 748-2530 during business hours
Walk-in branch in Atlanta, office in Miami

Side by side

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. offices in Atlanta and Miami; 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
OKX
Not offered
Anytime
Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire
OKX
USD wire deposits and withdrawals supported for U.S. customers
Anytime
Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay
OKX
Partial
Anytime
Yes
Talk to a human
OKX
24/7 live chat and support tickets; no phone line
Anytime
Phone (470) 748-2530, email, and two walk-in offices
Physical locations
OKX
None for customers
Anytime
Atlanta branch and Miami office
Where it serves
OKX
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
Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification
OKX
Government ID, selfie and Social Security number on every U.S. account; signup is blocked at the KYC step in restricted states.
Anytime
Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card
OKX
No FDIC-insured cash account
Anytime
FDIC-insured cash account with a free virtual debit card
Large orders
OKX
OKX runs an institutional OTC desk and block-trading tools; retail customers use the order book
Anytime
Dedicated OTC desk with a named contact
Custody of your coins
OKX
Held in your account until you withdraw
Anytime
Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation
OKX
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.
Anytime
U.S.-based, FinCEN-registered money services business
Way to escalate a problem
OKX
OKX replies to most public complaints, but reviewers describe generic chat responses and long waits on frozen-account cases.
Anytime
Phone, email, or in person at the Atlanta branch

Ways to pay

9 ways to pay here. 4 at OKX.

The rails OKX has, it runs well. The ones it does not have are the ones a customer reaches for when a card is declined, an amount is large, or the money is in cash.

MethodOKXAnytime Capital

Apple PayInstant, from your phoneYesYes
Google PayInstant, Android and webLimitedYes
Debit cardVisa and MastercardYesYes
Credit cardAmex and Discover accepted hereLimitedYes
ACH bank transferLower cost, settles in business daysYesYes
Domestic wireSame-day for larger ordersYesYes
Cash AppPay from your Cash App balanceNoYes
Cash in personAtlanta branch, counted at the counterNoYes
Cash by mailFrom anywhere in the U.S.NoYes

Coins

Every major coin, one checkout

Most of the volume on any platform is in the same few dozen coins. Every one below has its own buy page here, with Apple Pay, card, ACH, wire and cash at checkout.

How it works

Three steps from OKX to here

1
Verify once
Government ID and a selfie, online in minutes. Stuck? Call the branch or come in and finish it in person.
2
Pay your way
Apple Pay, Google Pay, card, ACH, wire, Cash App, cash in branch or cash by mail. The full price is on screen before you confirm.
3
Receive and keep going
Coins land in your own wallet or the free Anytime Capital wallet. Sell back to an FDIC-insured cash account and spend with the debit card.

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Ready to leave OKX behind?

Anytime Capital is a U.S. money services business serving customers worldwide, with a branch in Atlanta, an office in Miami, and card pricing from 4% with the spread included. Verification takes minutes, nine payment methods are live, and (470) 748-2530 reaches a person during business hours.

Wire transfer
Cash in person

Buy Bitcoin from 4%See fees & limits

Digital assets are not FDIC-insured, are not bank deposits, and may lose value. Availability and limits subject to identity verification and compliance review.

Questions