Can Americans use Tokocrypto?

No. Tokocrypto trades only in Indonesian rupiah, requires an Indonesian KTP or a passport with an Indonesian residence permit, links to Indonesian banks and e-wallets, and its terms exclude U.S. residents. Anytime Capital serves customers wherever they are, with card, ACH, wire, Cash App and cash.

Is Tokocrypto owned by Binance?

Yes. Binance invested in 2020, took a majority stake, and acquired 100% of Tokocrypto in 2022. It operates as a locally licensed Indonesian subsidiary rather than as Binance.com.

What are Tokocrypto's fees?

0.1% for makers and takers on rupiah pairs at the base tier, plus Indonesian VAT and the CFX exchange levy required by law, which bring the all-in cost toward 0.2% on rupiah pairs and closer to 0.4% on USDT pairs. Rupiah deposits are free or near free.

Is Tokocrypto regulated?

Yes. It holds a full Physical Crypto Asset Trader (PFAK) license granted in September 2024, is a member of Indonesia's CFX exchange, and has been supervised by the Financial Services Authority (OJK) since January 10, 2025.

Does Tokocrypto have a phone number for U.S. customers?

No. Tokocrypto supports Indonesian customers through in-app chat and tickets. Anytime Capital can be reached at (470) 748-2530, by email, at its Atlanta branch, or at its Miami office.

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

Yes. Withdraw from Tokocrypto 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 Tokocrypto?

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. Tokocrypto prices no card, Apple Pay or Google Pay purchases for anyone outside Indonesia; funding is a rupiah transfer or e-wallet top-up from an Indonesian account, so a U.S. card never applies, with a fixed per-coin network fee on crypto withdrawals. 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

Tokocrypto

Our pick

Tokocrypto vs Anytime Capital

Tokocrypto is Binance's Indonesian exchange: rupiah only, KTP-verified, fully licensed under Jakarta's new crypto regime, and closed to anyone without an Indonesian ID. 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 in dollars. Here is where each one fits.

Tokocrypto: IDR only, no U.S. customers, Indonesian ID and bank required
Anytime Capital: cash, wire, ACH, Cash App, Apple Pay, Google Pay and cards
Call (470) 748-2530 or walk into the Atlanta branch

Tokocrypto vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 10 of 13.

Category	Tokocrypto	Our pick
Card purchase fee	No card, Apple Pay or Google Pay purchases for anyone outside Indonesia; funding is a rupiah transfer or e-wallet top-up from an Indonesian account, so a U.S. card never applies	From 4% with the spread included, quoted in full before you confirm
Trading fees	0.1% maker and taker on rupiah pairs at the base tier, plus Indonesian VAT and the CFX exchange levy that the law adds to every trade, which push the all-in cost toward 0.2% to 0.4% depending on the market	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 available; U.S. dollars cannot be deposited	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	No	Yes
Talk to a human	In-app chat and support tickets, primarily in Indonesian; no U.S. 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	Tokocrypto does not serve U.S. customers. It trades only in Indonesian rupiah, requires an Indonesian ID card or a passport with a residence permit, and links to Indonesian bank accounts; its terms exclude U.S. residents.	Serves customers worldwide, with U.S. branches in Atlanta, Miami and Houston; eligibility confirmed during verification
Identity verification	An Indonesian KTP identity card matched to a tax number, or for foreign residents a passport with an Indonesian residence permit, plus a selfie and an Indonesian phone number.	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	Binance-backed liquidity on rupiah pairs; nothing for U.S. 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	Licensed as a Physical Crypto Asset Trader (PFAK) in September 2024 and a member of Indonesia's CFX exchange; supervised by the Financial Services Authority (OJK) since supervision moved from Bappebti on January 10, 2025.	U.S.-based, FinCEN-registered money services business

Card purchase fee

Tokocrypto: No card, Apple Pay or Google Pay purchases for anyone outside Indonesia; funding is a rupiah transfer or e-wallet top-up from an Indonesian account, so a U.S. card never applies
Anytime: From 4% with the spread included, quoted in full before you confirm

Trading fees

Tokocrypto: 0.1% maker and taker on rupiah pairs at the base tier, plus Indonesian VAT and the CFX exchange levy that the law adds to every trade, which push the all-in cost toward 0.2% to 0.4% depending on the market
Anytime: One all-in price per order with the spread included, plus an OTC desk for size

Pay with cash