Ourbit vs Anytime Capital

Ourbit launched in 2020, though the company behind it dates its origins to 2017, and it is registered in the British Virgin Islands. It set out to win traders with speed and leverage: a zero-fee spot schedule, 0.02% and 0.04% on USDT-margined perpetuals with up to 200x leverage, and a listing desk that puts new and meme tokens on the board before Binance or Coinbase do. Trackers disagree on how many assets it carries, from a hundred to more than seven hundred, which is itself a sign of how fast the list moves. Copy trading, staking and a built-in DEX aggregator round out the app.

For an American it is a closed door. Ourbit lists the United States among its restricted regions, together with mainland China, Singapore, North Korea, Cuba and Iran, and its verification rejects a U.S. address. There is no Ourbit U.S. entity, no state money transmitter license, and no license from a major regulator such as the FCA, the CFTC or the MAS that Ourbit claims or that we could find. It is an offshore exchange in the plain sense of the word.

Anytime Capital serves the customer Ourbit turns away, and anyone else. It is a U.S. company that sells to customers worldwide, with a storefront at 2549 Piedmont Road NE in Atlanta, an office in Miami, a phone number that reaches a person, and nine ways to pay, including cash and same-day wire. It is not an order book and does not offer leverage. It sells you Bitcoin, Ethereum, USDC and other major coins, delivers them to a wallet you control, and gives you a bank account and debit card to cash out into.

Ourbit's headline is 0% on spot, both sides, and it is real as far as it goes. The exchange earns on futures instead: 0.02% maker and 0.04% taker on USDT-margined perpetuals, plus funding payments, with discounts by VIP tier that is set by account equity or 30-day futures volume. Withdrawals carry a per-coin network fee that Ourbit sets by chain, and on some chains that fee runs well above the raw gas cost. That is a trading schedule, and it applies to crypto that is already inside the exchange.

What Ourbit has no schedule for is getting dollars in from an American bank, because it cannot take them. Card purchases elsewhere go through third-party processors at whatever rate the processor sets, and there is no ACH, no wire and no cash. A U.S. customer cannot legitimately fund an Ourbit account at all, which makes its trading fee irrelevant to the question most U.S. searchers are actually asking.

Anytime Capital's pricing answers that question directly: card orders from 4% with the spread included, with the amount you pay and the crypto you receive shown before you confirm, and ACH, wire and cash priced the same transparent way. It is a buying fee, not a trading fee. For a $20,000 purchase the OTC desk quotes a same-day wire with a named contact, which is a different product from a zero-fee spot book and is priced accordingly.

Funding Ourbit means sending crypto from another wallet or exchange, or, in the countries it serves, paying a third-party card processor or trading peer-to-peer. There is no ACH, no wire, no Cash App and no cash, and for a U.S. resident even the crypto deposit route is off the table because the account is not permitted. Every row in the payment table on this page is a "no" for the same reason.

Anytime Capital accepts Apple Pay, Google Pay, debit and credit cards, ACH, domestic wire, Cash App, cash in person at the Atlanta branch, and cash by mail from anywhere in the United States. Wires settle the same business day. It sells to customers worldwide, with the branch and the cash rails as extras for anyone who can reach Atlanta or a U.S. mailbox. If one rail is blocked by your bank, there are eight others, and a person on the phone who can tell you which one to use.

Ourbit's public review footprint is small, a few dozen Trustpilot reviews at a score around 2 out of 5, and it is unflattering. The praise is for quick listings and a simple app. The complaints are about money that went in and did not come out: funds blocked for months with no clear explanation, a bonus advertised on the platform that never credited, a withdrawal held pending a review with no deadline. Live chat answers around the clock, but reviewers describe it restating the policy rather than resolving the case.

At Anytime Capital you can call (470) 748-2530 during business hours and reach someone who can see your order. You can email. You can drive to the Atlanta branch and sort it out across a desk. For larger orders the OTC desk gives you a named contact from quote to settlement, and because the coins are delivered to a wallet you control, there is no balance for a risk team to hold afterward.

Ourbit is custodial. Your coins sit in Ourbit's wallets, which is what makes zero-fee spot and 200x futures possible and is also why a compliance flag can lock your balance indefinitely. Ourbit has not, as far as we could find, published a third-party proof-of-reserves report, so the question of what backs customer balances rests on the company's word. Withdrawing means paying a per-coin fee and having cleared whatever verification tier your amount requires.

Anytime Capital delivers what you buy to a non-custodial wallet you control, and pairs it with an FDIC-insured cash account and a free virtual debit card. Sell Bitcoin on Tuesday and the dollars are spendable from the same app, without a second company, a second KYC or a wire in between. More than 8,000 trades have gone through the platform that way.

Choose Ourbit if what you want is an order book: spot pairs on tokens that larger exchanges have not listed yet, up to 200x on perpetuals, copy trading and staking, and you are comfortable leaving a balance with a BVI-registered custodian that has a short public record and no major-regulator license. It does not serve U.S. residents. For anyone who wants to buy Bitcoin, Ethereum or USDC with cash, a wire, a card or Cash App and hold it in a wallet they control, start below.