Does THORChain have hidden fees?

Not hidden, but layered: 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, plus the outbound fee is the withdrawal fee, deducted from what arrives on the destination chain. Read the confirmation screen, not the marketing page.

Which THORChain payment method costs the least?

Bank transfer: none; there is no bank rail. It is also the slowest, because the order completes when the transfer settles.

What does a $1,000 card order cost at Anytime Capital?

From $40 all-in before the network fee, with the crypto you receive shown before you confirm. THORChain routes card purchases elsewhere, so its total is whatever that partner shows in checkout.

Why did my THORChain swap arrive short?

Three fees are deducted from the output: the slip-based liquidity fee, the outbound fee that pays destination-chain gas at a multiplier, and the affiliate fee set by the interface you used. The quote on a good interface shows all three before you send.

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.

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.

Fees

THORChain

Our pick

THORChain fees, explained line by line

Q: 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.

Every platform quotes one number and charges several. Here is what THORChain actually takes on a purchase, what it leaves out of the headline, and what the same order costs at Anytime Capital.

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
Trading: 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 Capital cards from 4%, shown in full before you pay

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Updated September 2026. THORChain 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

How much does THORChain charge?

THORChain charges 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. Trading fees are 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. Bank transfers: none; there is no bank rail. Withdrawals: the outbound fee is the withdrawal fee, deducted from what arrives on the destination chain. Blockchain network fees are added on top. Anytime Capital card, Apple Pay and Google Pay orders start from 4% with the full price on screen before you confirm.

Buy the funds you need first Call (470) 748-2530 Get the free wallet

Layered
THORChain pricing structure
Compared platform
3
separate fee lines at THORChain
Compared platform
4%
Anytime Capital card pricing from
Anytime Capital
$0
surprise fees at checkout
Anytime Capital

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

Published fee percentages on a debit or credit card order

THORChain does not sell crypto for a card payment directly: 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 Capital card pricing starts from 4% and is shown in full before you confirm, excluding network fees. As of September 2026.

What THORChain charges, in order

THORChain has no flat trading fee. Every swap pays a liquidity fee that depends on how much of the pool it consumes: a $500 swap into a deep Bitcoin pool costs a few basis points, while a $500,000 swap into a thin pool costs far more, and the commonly quoted range is 5 to 50 basis points. Streaming swaps split a large order into many small ones over several blocks to hold the fee near the low end, which is the mechanism that lets THORChain handle size. The fee is paid to the pool's liquidity providers and to the network, in RUNE.

On top of that comes the outbound fee, which is THORChain paying gas on the destination chain to deliver your asset and charging you for it with a dynamic multiplier that has run between roughly one and three times the raw cost depending on network conditions. When Ethereum gas spikes, the outbound fee on an ETH swap spikes with it. And on top of that comes the affiliate fee the interface you used has registered, set in basis points by the interface itself and varying by front end and by tier; interfaces publish their own schedules, and those schedules have changed over time.

What none of those fees cover is getting dollars into crypto, because THORChain cannot do it. Anytime Capital is priced for that step: card orders from 4% with the spread included, one all-in number with the amount you pay and the crypto you receive shown before you confirm, and ACH, wire and cash priced the same transparent way, with Bitcoin and Ethereum each on their own buy page. It is a buying fee, not a swap fee, and it is the one THORChain cannot charge.

Network fees, spread, and the number that matters

Both platforms add the blockchain network fee to send your coins. What differs is how the price is presented. THORChain's schedule is spread across trading, deposit and withdrawal lines. Anytime Capital shows one number for what you pay and one for what you receive. The second number is the only one worth comparing: screenshot both checkouts on the same $1,000 order and look at how much crypto lands.

A front door, not a chat window

THORChain 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

The rails where the fee question barely applies

THORChain has no cash rail at any price and no domestic wire desk. At Anytime Capital, cash in the Atlanta branch and cash by mail are priced like any other order, and wires for larger amounts are handled by the OTC desk with a locked quote. For a customer moving real size, a wire costs a fraction of any card rail, at THORChain or anywhere else.

Leaving THORChain? 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 the funds you need first 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

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 15.

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
Withdrawal fees	the outbound fee is the withdrawal fee, deducted from what arrives on the destination chain	Network fee only when sending to your own wallet
Fee display at checkout	Trading, deposit and withdrawal lines shown separately	One total and one amount received, plus the network fee

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
Not offered; THORChain has no fiat rail of any kind
Anytime
Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay
THORChain
No
Anytime
Yes
Talk to a human
THORChain
Discord servers run by the community and by interfaces such as THORSwap, plus the public explorer; no company support, no phone, no email desk
Anytime
Phone (470) 748-2530, email, and two walk-in offices
Physical locations
THORChain
None for customers
Anytime
Atlanta branch and Miami office
Where it serves
THORChain
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.
Anytime
Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification
THORChain
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.
Anytime
Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card
THORChain
No FDIC-insured cash account
Anytime
FDIC-insured cash account with a free virtual debit card
Large orders
THORChain
Streaming swaps reduce slippage on size, but there is no desk, no quote and no way to settle in dollars
Anytime
Dedicated OTC desk with a named contact
Custody of your coins
THORChain
Your own wallet; you hold the keys
Anytime
Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation
THORChain
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.
Anytime
U.S.-based, FinCEN-registered money services business
Withdrawal fees
THORChain
the outbound fee is the withdrawal fee, deducted from what arrives on the destination chain
Anytime
Network fee only when sending to your own wallet
Fee display at checkout
THORChain
Trading, deposit and withdrawal lines shown separately
Anytime
One total and one amount received, plus the network fee

Ways to pay

9 ways to pay here. 0 at THORChain.

THORChain 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.

MethodTHORChainAnytime 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 THORChain 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 the funds you need first Call (470) 748-2530 Get the free wallet

Ready to leave THORChain 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 the funds you need first 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