Can I use THORChain in the United States?

The protocol does not know or check where you are, and it cannot take dollars from anyone. Some interfaces built on it apply their own regional rules. A U.S. user who swaps through it still owes U.S. taxes on every swap and is personally responsible for sanctions compliance. Anytime Capital is a licensed U.S. money services business that sells the crypto in the first place, wherever you are.

How do I deposit money into THORChain?

You cannot. THORChain swaps crypto you already hold in your own wallet; there is no card, bank or cash option. You buy Bitcoin or Ethereum with dollars first, which is what Anytime Capital's buy pages are for, then swap from the wallet it was delivered to.

What are THORChain's fees?

A slip-based liquidity fee that grows with your swap size relative to pool depth, commonly 5 to 50 basis points, plus an outbound fee covering gas on the destination chain at roughly one to three times the raw cost, plus whatever affiliate fee the interface you used has set. All three come out of what arrives.

Has THORChain been hacked?

Yes. It was exploited twice in July 2021, for around $8 million each time, during its early Chaosnet phase. On May 15, 2026 a newly joined node operator exploited the threshold-signature scheme during a vault rotation and drained about $10.7 million, and trading was halted for five weeks. Separately, its lending and savers products have been frozen since January 2025 during a debt restructuring.

Does THORChain have customer support?

Not in the usual sense. There is no company; help comes from community and interface Discord servers, and nobody can reverse a swap or refund a bad memo. Anytime Capital can be reached at (470) 748-2530, by email, at its Atlanta branch, or at its Miami office.

Can I switch from THORChain to Anytime Capital without moving my crypto?

Yes. Both send purchased crypto to a wallet address you control, so nothing needs to move. Create an Anytime Capital account, verify once with your ID and a selfie, and paste the same address at checkout.

How does Anytime Capital pricing compare with THORChain?

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. THORChain prices there is no fiat rail at all; THORChain only swaps crypto you already hold in your own wallet, so you need an on-ramp such as Anytime Capital to buy the Bitcoin or Ethereum first, with the outbound fee is the withdrawal fee, deducted from what arrives on the destination 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.

Head to head

THORChain

Our pick

THORChain vs Anytime Capital

THORChain is the protocol that lets you swap real Bitcoin for real Ethereum or Monero from your own wallet, with no account and no KYC. It has also been exploited three times, frozen its lending products, halted trading for five weeks, and carried a billion dollars of stolen Bybit funds. Anytime Capital is a U.S. money services business with a branch in Atlanta, a phone number, card pricing from 4%, and nine ways to pay. One swaps crypto you already have. The other is how you get it.

Anytime Capital sells crypto for cash, wire, ACH, Cash App, Apple Pay, Google Pay and cards; THORChain cannot take a dollar
Anytime Capital delivers to a wallet you control; THORChain starts from one

THORChain vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 9 of 13.

Category	THORChain	Our pick
Card purchase fee	There is no fiat rail at all; THORChain only swaps crypto you already hold in your own wallet, so you need an on-ramp such as Anytime Capital to buy the Bitcoin or Ethereum first	From 4% with the spread included, quoted in full before you confirm
Trading fees	a slip-based liquidity fee that scales with your swap size relative to pool depth, typically in the range of 5 to 50 basis points, plus a dynamic outbound fee that covers gas on the destination chain at roughly one to three times the raw cost; interfaces such as THORSwap add their own affiliate fee on top	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; THORChain has no fiat rail of any kind	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	No	Yes
Talk to a human	Discord servers run by the community and by interfaces such as THORSwap, plus the public explorer; no company support, no phone, no email desk	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None for customers	Atlanta branch and Miami office
Where it serves	The protocol does not know where you are and cannot block you; some interfaces built on it, such as THORSwap, apply their own restrictions or have paused routes, and none of them can take dollars. A U.S. user needs an on-ramp first and takes on U.S. tax and sanctions obligations personally.	Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification	None at the protocol level; you swap from your own wallet. That does not remove U.S. tax or sanctions obligations, and interfaces may screen addresses or restrict regions.	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	Streaming swaps reduce slippage on size, but there is no desk, no quote and no way to settle in dollars	Dedicated OTC desk with a named contact
Custody of your coins	Your own wallet; you hold the keys	Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation	Unregulated and unlicensed everywhere; there is no company to license, and its role in moving funds from the February 2025 Bybit hack drew regulatory and press scrutiny without any enforcement we could find.	U.S.-based, FinCEN-registered money services business

Card purchase fee

THORChain: There is no fiat rail at all; THORChain only swaps crypto you already hold in your own wallet, so you need an on-ramp such as Anytime Capital to buy the Bitcoin or Ethereum first
Anytime: From 4% with the spread included, quoted in full before you confirm

Trading fees

THORChain: a slip-based liquidity fee that scales with your swap size relative to pool depth, typically in the range of 5 to 50 basis points, plus a dynamic outbound fee that covers gas on the destination chain at roughly one to three times the raw cost; interfaces such as THORSwap add their own affiliate fee on top
Anytime: One all-in price per order with the spread included, plus an OTC desk for size

Pay with cash

THORChain: Not offered
Anytime: Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.

Domestic wire

THORChain vs Anytime Capital

Which is better, THORChain or Anytime Capital?

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

What THORChain is, and what it is not

Fees: a slip fee and an outbound fee, and nothing at all to get dollars in

A front door, not a chat window

Ways to pay: how you actually fund a THORChain swap, and why the on-ramp is the missing first step

Support: a Discord channel and a node vote, versus a phone number

Custody, no KYC, and the account that comes with it

When THORChain is the right call

Leaving THORChain? Your wallet address works here too.

THORChain vs Anytime Capital, row by row

9 ways to pay here. 0 at THORChain.

Every major coin, one checkout

Three steps from THORChain to here

Verify once

Pay your way

Receive and keep going

Ready to leave THORChain behind?

THORChain vs Anytime Capital: FAQ

Other questions people ask before switching

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Important Disclosures