Is Ourbit regulated in the United States?

Ourbit lists the United States among its restricted regions and has no U.S. entity or state licensing; its verification rejects U.S. residents and its terms prohibit masking your location. Anytime Capital is a FinCEN-registered U.S. money services business with a branch in Atlanta.

Does Ourbit 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 Ourbit to Anytime Capital without moving my crypto?

Yes. Withdraw from Ourbit 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

Ourbit

Our pick

Is Ourbit legit? What that does and does not mean

Q: Is Ourbit a scam?

No. Ourbit is a legitimate exchange operating since 2020. Registered as a company in the British Virgin Islands; Ourbit does not claim, and we could not verify, any license from a major financial regulator or any U.S. money transmitter license.

Q: How does Anytime Capital pricing compare with Ourbit?

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. Ourbit prices no fiat rail for U.S. customers because Ourbit does not serve them; elsewhere, card purchases route through third-party processors at rates set by the processor, with a per-coin network fee set by Ourbit, which varies by chain. Blockchain network fees apply at both. Compare the crypto that lands on the same order size rather than the headline rate.

Ourbit is a real exchange that has operated since 2020. 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.

Registered as a company in the British Virgin Islands; Ourbit does not claim, and we could not verify, any license from a major financial regulator or any U.S. money transmitter license.
Holds your coins until you withdraw
Anytime Capital: a U.S. company you can call or visit

Buy crypto now Call (470) 748-2530 Get the free wallet

Updated September 2026. Ourbit 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 Ourbit legit and safe to use?

Yes. Ourbit is a legitimate exchange founded in 2020, based in British Virgin Islands (registered); no public office address. Registered as a company in the British Virgin Islands; Ourbit does not claim, and we could not verify, any license from a major financial regulator or any U.S. money transmitter license. Ourbit does not serve U.S. customers. 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.

Buy crypto now Call (470) 748-2530 Get the free wallet

2020
the year Ourbit was founded
Compared platform
about 2 / 5
Ourbit 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 Ourbit has no card rail

Published fee percentages on a debit or credit card order

Ourbit does not sell crypto for a card payment directly: no fiat rail for U.S. customers because Ourbit does not serve them; elsewhere, card purchases route through third-party processors at rates set by the processor. 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 Ourbit pass?

Ourbit is a functioning exchange, not a phishing page: it has run since 2020, has an app in the major stores, and processes real volume on spot and futures. What it lacks is the paper trail that lets an outsider check it. It is registered in the British Virgin Islands and does not claim a license from the FCA, the CFTC, the MAS or any U.S. state regulator. We could not find a third-party proof-of-reserves report or a security audit of the kind larger exchanges publish. Independent review sites rate it as high-risk on that basis.

The complaints match the profile. Ourbit's Trustpilot footprint is a few dozen reviews at a score around 2 out of 5, and the dominant themes are funds blocked for months without a clear explanation, promotions that never paid out, and withdrawals held for open-ended reviews. There are no widely reported hacks or an exit scam, and the exchange responds to some reviews, but the pattern is one of a custodian that decides on its own timeline when you can leave.

The honest read is that Ourbit is legitimate in the sense that it exists and trades, and lightly regulated in the sense that matters when something goes wrong. For a U.S. resident the question is moot, because Ourbit will not open the account. For anyone, the safer structure is a platform that delivers the coins to a wallet you control the moment you pay.

Registered as a company in the British Virgin Islands; Ourbit does not claim, and we could not verify, any license from a major financial regulator or any U.S. money transmitter license.
Operating since 2020, headquartered in British Virgin Islands (registered); no public office address
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 Ourbit and a pattern appears: funds blocked for months with no clear explanation, signup and deposit bonuses that never credit or carry conditions that change, withdrawals held pending a review with no stated deadline, support that replies quickly but does not resolve the problem. These are compliance and process events, not theft, and every regulated platform has them. The difference is what you can do about it. On Ourbit 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

Ourbit 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 Ourbit? 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 crypto now 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

Ourbit vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 11 of 14.

Category	Ourbit	Our pick
Card purchase fee	No fiat rail for U.S. customers because Ourbit does not serve them; elsewhere, card purchases route through third-party processors at rates set by the processor	From 4% with the spread included, quoted in full before you confirm
Trading fees	0% maker and 0% taker on spot; 0.02% maker and 0.04% taker on USDT-margined perpetual futures, with discounts by VIP 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	Not offered; Ourbit does not serve U.S. customers on any rail	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, email tickets and Telegram; 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	Ourbit lists the United States among its restricted regions and has no U.S. entity or state licensing; its verification rejects U.S. residents and its terms prohibit masking your location.	Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification	Basic accounts can deposit and trade within withdrawal limits; ID verification lifts the limits and is required for fiat features and most promotions.	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	VIP tiers by equity or 30-day futures volume; no OTC desk for U.S. customers because the platform is closed to them	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 as a company in the British Virgin Islands; Ourbit does not claim, and we could not verify, any license from a major financial regulator or any U.S. money transmitter license.	U.S.-based, FinCEN-registered money services business
Way to escalate a problem	Chat is quick to answer but slow to resolve; reviewers describe blocked funds and uncredited bonuses that stayed unresolved for months.	Phone, email, or in person at the Atlanta branch

Card purchase fee
Ourbit
No fiat rail for U.S. customers because Ourbit does not serve them; elsewhere, card purchases route through third-party processors at rates set by the processor
Anytime
From 4% with the spread included, quoted in full before you confirm
Trading fees
Ourbit
0% maker and 0% taker on spot; 0.02% maker and 0.04% taker on USDT-margined perpetual futures, with discounts by VIP tier
Anytime
One all-in price per order with the spread included, plus an OTC desk for size
Pay with cash
Ourbit
Not offered
Anytime
Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire
Ourbit
Not offered; Ourbit does not serve U.S. customers on any rail
Anytime
Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay
Ourbit
No
Anytime
Yes
Talk to a human
Ourbit
24/7 live chat, email tickets and Telegram; no phone line
Anytime
Phone (470) 748-2530, email, and two walk-in offices
Physical locations
Ourbit
None for customers
Anytime
Atlanta branch and Miami office
Where it serves
Ourbit
Ourbit lists the United States among its restricted regions and has no U.S. entity or state licensing; its verification rejects U.S. residents and its terms prohibit masking your location.
Anytime
Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification
Ourbit
Basic accounts can deposit and trade within withdrawal limits; ID verification lifts the limits and is required for fiat features and most promotions.
Anytime
Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card
Ourbit
No FDIC-insured cash account
Anytime
FDIC-insured cash account with a free virtual debit card
Large orders
Ourbit
VIP tiers by equity or 30-day futures volume; no OTC desk for U.S. customers because the platform is closed to them
Anytime
Dedicated OTC desk with a named contact
Custody of your coins
Ourbit
Held in your account until you withdraw
Anytime
Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation
Ourbit
Registered as a company in the British Virgin Islands; Ourbit does not claim, and we could not verify, any license from a major financial regulator or any U.S. money transmitter license.
Anytime
U.S.-based, FinCEN-registered money services business
Way to escalate a problem
Ourbit
Chat is quick to answer but slow to resolve; reviewers describe blocked funds and uncredited bonuses that stayed unresolved for months.
Anytime
Phone, email, or in person at the Atlanta branch

Ways to pay

9 ways to pay here. 0 at Ourbit.

Ourbit does not take U.S. dollars from a U.S. customer directly. Every rail below is live at Anytime Capital, including the ones no online platform offers.

MethodOurbitAnytime Capital

Apple PayInstant, from your phoneNoYes
Google PayInstant, Android and webNoYes
Debit cardVisa and MastercardNoYes
Credit cardAmex and Discover accepted hereNoYes
ACH bank transferLower cost, settles in business daysNoYes
Domestic wireSame-day for larger ordersNoYes
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 Ourbit 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.

Buy crypto now Call (470) 748-2530 Get the free wallet

Ready to leave Ourbit 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 crypto now 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