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.

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

Q: Is Pionex a scam?

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.

Q: 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.

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

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

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

Yes. Pionex is a legitimate exchange founded in 2019, based in Singapore. 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. Pionex 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.

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

2019
the year Pionex was founded
Compared platform
about 2.5 / 5
Pionex Trustpilot average
Compared platform
2
Anytime Capital walk-in offices
Anytime Capital
8,000+
completed Anytime Capital trades
Anytime Capital

Ways to pay: Pionex vs Anytime Capital

Payment methods live for a customer today

Anytime Capital
Pionex

Anytime Capital: Apple Pay, Google Pay, Debit card, Credit card, ACH bank transfer, Wire transfer, Cash App, Cash in branch, Cash by mail, each priced as one all-in number from 4% on card orders with the spread included. Pionex: 1 of those rails, priced 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, with a per-coin network fee set by Pionex, which varies by chain. Both exclude blockchain network fees. As of September 2026.

The checklist: does Pionex pass?

Pionex is a real exchange with a real track record. It has operated since 2019 from Singapore, lists more than 400 coins, and runs bots that hundreds of thousands of people use daily. For Americans the relevant entity is Pionex.US, which states it registered with FinCEN as a money services business in April 2020 and has since obtained money transmitter licenses in a number of states. That is a stronger U.S. footing than most offshore exchanges can claim.

The doubts in public reviews are about process rather than theft. Customers describe withdrawals blocked for a "security concern" until a higher KYC level clears, accounts frozen for "high risk transactions" with no timeline, and KYC rejected repeatedly with the same generic email. Pionex responds to these reviews and says it aims to clear withdrawal issues within 24 hours, but the volume of complaints is high for an exchange its size and the Trustpilot score sits around 2.5 out of 5.

The honest read is that Pionex is legitimate and custodial, which means your ability to get your coins out depends on its compliance team's mood on the day. That is the normal texture of a centralized exchange, and it is exactly the situation where a company with a phone number, a branch, and a non-custodial wallet on the other end of the trade is easier to deal with.

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.
Operating since 2019, headquartered in Singapore
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 Pionex and a pattern appears: withdrawals blocked for a "security concern" until a higher kyc level is completed, accounts frozen for "high risk transactions" with no timeline from support, kyc submissions rejected repeatedly with a generic email, bots that lose money in a trending market after being sold as passive income. These are compliance and process events, not theft, and every regulated platform has them. The difference is what you can do about it. On Pionex 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

Pionex 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 Pionex? 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

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
Pionex
Not offered
Anytime
Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire
Pionex
Not documented as a Pionex.US USD deposit rail; the bank option is ACH
Anytime
Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay
Pionex
Partial
Anytime
Yes
Talk to a human
Pionex
In-app chat, email tickets (service@pionex.com and service@pionex.us) and a Telegram community; no phone line
Anytime
Phone (470) 748-2530, email, and two walk-in offices
Physical locations
Pionex
None for customers
Anytime
Atlanta branch and Miami office
Where it serves
Pionex
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
Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification
Pionex
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.
Anytime
Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card
Pionex
No FDIC-insured cash account
Anytime
FDIC-insured cash account with a free virtual debit card
Large orders
Pionex
Self-serve limits by verification tier; no OTC desk for retail customers
Anytime
Dedicated OTC desk with a named contact
Custody of your coins
Pionex
Held in your account until you withdraw
Anytime
Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation
Pionex
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.
Anytime
U.S.-based, FinCEN-registered money services business
Way to escalate a problem
Pionex
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.
Anytime
Phone, email, or in person at the Atlanta branch

Ways to pay

9 ways to pay here. 1 at Pionex.

The rails Pionex 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.

MethodPionexAnytime Capital

Apple PayInstant, from your phoneLimitedYes
Google PayInstant, Android and webLimitedYes
Debit cardVisa and MastercardLimitedYes
Credit cardAmex and Discover accepted hereLimitedYes
ACH bank transferLower cost, settles in business daysYesYes
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 Pionex 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 Pionex 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