No. Pionex is a legitimate exchange operating since 2019. Pionex.US states it registered with FinCEN as a money services business in April 2020 and holds money transmitter licenses in a number of states; the global Pionex.com platform is not licensed in the United States.

Is Pionex regulated in the United States?

Pionex.com does not serve Americans; U.S. customers use Pionex.US, a FinCEN-registered money services business with a smaller coin list that reportedly excludes New York, Alaska, Hawaii and the U.S. territories. Anytime Capital is a FinCEN-registered U.S. money services business with a branch in Atlanta.

Does Pionex 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 Pionex to Anytime Capital without moving my crypto?

Yes. Withdraw from Pionex 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 Pionex?

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. Pionex prices card purchases run through third-party processors such as Banxa and Simplex, with reported fees between about 2.6% and 4.5% depending on processor and region, plus the processor's own spread, roughly 2.6%–4.5% on the headline, with a per-coin network fee set by Pionex, 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.

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

Pionex

Our pick

Is Pionex legit? What that does and does not mean

Pionex is a real exchange that has operated since 2019. 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.

Pionex.US states it registered with FinCEN as a money services business in April 2020 and holds money transmitter licenses in a number of states; the global Pionex.com platform is not licensed in the United States.
Holds your coins until you withdraw
Anytime Capital: a U.S. company you can call or visit

Pionex 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	Pionex	Our pick
Card purchase fee	Card purchases run through third-party processors such as Banxa and Simplex, with reported fees between about 2.6% and 4.5% depending on processor and region, plus the processor's own spread	From 4% with the spread included, quoted in full before you confirm
Trading fees	0.05% maker and 0.05% taker on spot, with no extra charge for running the bots	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 documented as a Pionex.US USD deposit rail; the bank option is ACH	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	Partial	Yes
Talk to a human	In-app chat, email tickets (service@pionex.com and service@pionex.us) and a Telegram community; 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	Pionex.com does not serve Americans; U.S. customers use Pionex.US, a FinCEN-registered money services business with a smaller coin list that reportedly excludes New York, Alaska, Hawaii and the U.S. territories.	Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification	Level 1 unlocks deposits and trading; a Level 2 ID-and-selfie check is required before withdrawals, and Pionex.US verifies every customer as a U.S. money services business.	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	Self-serve limits by verification tier; no OTC desk for retail customers	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	Pionex.US states it registered with FinCEN as a money services business in April 2020 and holds money transmitter licenses in a number of states; the global Pionex.com platform is not licensed in the United States.	U.S.-based, FinCEN-registered money services business
Way to escalate a problem	Support is responsive on routine questions, but a frozen withdrawal or a failed KYC review is handled by email with no deadline and no one to call.	Phone, email, or in person at the Atlanta branch

Card purchase fee

Pionex: Card purchases run through third-party processors such as Banxa and Simplex, with reported fees between about 2.6% and 4.5% depending on processor and region, plus the processor's own spread
Anytime: From 4% with the spread included, quoted in full before you confirm

Trading fees

Pionex: 0.05% maker and 0.05% taker on spot, with no extra charge for running the bots
Anytime: One all-in price per order with the spread included, plus an OTC desk for size

Pay with cash