Is Toobit regulated in the United States?

Toobit suspended trading for U.S. users effective August 1, 2024 and asked them to withdraw by the end of that month; the United States is not on its supported-countries list and there is no separate U.S. entity. Anytime Capital is a FinCEN-registered U.S. money services business with a branch in Atlanta.

Does Toobit 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 Toobit to Anytime Capital without moving my crypto?

Yes. Withdraw from Toobit 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

Toobit

Our pick

Is Toobit legit? What that does and does not mean

Q: Is Toobit a scam?

No. Toobit is a legitimate exchange operating since 2022. Toobit describes itself as registered with FinCEN as a money services business and holding a VASP registration in Poland; neither is a license to serve U.S. retail customers, and it holds no state money transmitter licenses that we could verify.

Q: How does Anytime Capital pricing compare with Toobit?

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. Toobit prices no fiat rail for U.S. customers because Toobit does not serve them; elsewhere, card purchases run through third-party processors at rates set by the processor, with a per-coin network fee set by Toobit, 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.

Toobit is a real exchange that has operated since 2022. 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.

Toobit describes itself as registered with FinCEN as a money services business and holding a VASP registration in Poland; neither is a license to serve U.S. retail customers, and it holds no state money transmitter licenses that we could verify.
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. Toobit 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 Toobit legit and safe to use?

Yes. Toobit is a legitimate exchange founded in 2022, based in George Town, Cayman Islands. Toobit describes itself as registered with FinCEN as a money services business and holding a VASP registration in Poland; neither is a license to serve U.S. retail customers, and it holds no state money transmitter licenses that we could verify. Toobit does not serve U.S. customers. 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

2022
the year Toobit was founded
Compared platform
about 2.8 / 5
Toobit Trustpilot average
Compared platform
2
Anytime Capital walk-in offices
Anytime Capital
8,000+
completed Anytime Capital trades
Anytime Capital

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

Published fee percentages on a debit or credit card order

Toobit does not sell crypto for a card payment directly: no fiat rail for U.S. customers because Toobit does not serve them; elsewhere, card purchases run through third-party processors at rates set by the processor. Anytime Capital card pricing starts from 4% and is shown in full before you confirm, excluding network fees. As of September 2026.

The checklist: does Toobit pass?

Toobit is a real exchange, not a phishing site. It has operated since October 2022 from the Cayman Islands, serves more than 600,000 account holders according to its proof-of-reserves scope, and has had its reserves verified by Hacken, most recently in May 2026, at more than 100% backing for BTC, ETH, USDT and USDC. Its infrastructure has been penetration-tested and Toobit Global Pty Ltd holds ISO 27001 certification. Those are more third-party checks than many offshore exchanges submit to.

The regulatory picture is thinner than the security picture. Toobit describes a FinCEN money services business registration and a Polish VASP registration. A FinCEN registration is a filing that any exchange can make; it is not a license to serve U.S. retail customers, and Toobit stopped doing so in August 2024. We could not verify any state money transmitter license, and Toobit does not claim one. For an American, the platform is offshore and off-limits.

The complaints are the ones to weigh. A recurring theme in public reviews is an account restricted after profitable trading under Toobit's compliance and risk-control policy, with gains labeled "illegal profits" and only the original deposit released. That may be a legitimate anti-abuse process misfiring, or it may be the policy working as written; either way it is a custodial risk that does not exist when the coins are delivered to a wallet you control.

Toobit describes itself as registered with FinCEN as a money services business and holding a VASP registration in Poland; neither is a license to serve U.S. retail customers, and it holds no state money transmitter licenses that we could verify.
Operating since 2022, headquartered in George Town, Cayman Islands
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 Toobit and a pattern appears: accounts restricted after profitable trades and told the gains were "illegal profits", withdrawals limited to the original deposit while profits stay blocked, bonuses advertised at signup that never credit or carry unworkable conditions, verification friction when trying to lift withdrawal limits. These are compliance and process events, not theft, and every regulated platform has them. The difference is what you can do about it. On Toobit 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

Toobit 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 Toobit? 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

Toobit 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	Toobit	Our pick
Card purchase fee	No fiat rail for U.S. customers because Toobit does not serve them; elsewhere, card purchases run through third-party processors at rates set by the processor	From 4% with the spread included, quoted in full before you confirm
Trading fees	0.075% maker and 0.10% taker on spot, falling to 0.0125% and 0.0375% at the top VIP tier; 0.02% maker and 0.06% taker on futures, falling to 0.006% and 0.03%	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; Toobit does not serve U.S. customers on any rail	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	No	Yes
Talk to a human	24/7 live chat, email tickets and Telegram; 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	Toobit suspended trading for U.S. users effective August 1, 2024 and asked them to withdraw by the end of that month; the United States is not on its supported-countries list and there is no separate U.S. entity.	Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification	Basic accounts can deposit and trade with limits; ID and selfie verification lifts withdrawal caps and is required to unlock bonuses and fiat features.	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	VIP tiers by 30-day volume; no OTC desk for U.S. customers because the platform is closed to them	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	Toobit describes itself as registered with FinCEN as a money services business and holding a VASP registration in Poland; neither is a license to serve U.S. retail customers, and it holds no state money transmitter licenses that we could verify.	U.S.-based, FinCEN-registered money services business
Way to escalate a problem	Live chat replies quickly on routine questions, but customers with a restricted account describe being told to accept a profit reversal to unlock it, with nobody senior to call.	Phone, email, or in person at the Atlanta branch

Card purchase fee
Toobit
No fiat rail for U.S. customers because Toobit does not serve them; elsewhere, card purchases run through third-party processors at rates set by the processor
Anytime
From 4% with the spread included, quoted in full before you confirm
Trading fees
Toobit
0.075% maker and 0.10% taker on spot, falling to 0.0125% and 0.0375% at the top VIP tier; 0.02% maker and 0.06% taker on futures, falling to 0.006% and 0.03%
Anytime
One all-in price per order with the spread included, plus an OTC desk for size
Pay with cash
Toobit
Not offered
Anytime
Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire
Toobit
Not offered; Toobit does not serve U.S. customers on any rail
Anytime
Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay
Toobit
No
Anytime
Yes
Talk to a human
Toobit
24/7 live chat, email tickets and Telegram; no phone line
Anytime
Phone (470) 748-2530, email, and two walk-in offices
Physical locations
Toobit
None for customers
Anytime
Atlanta branch and Miami office
Where it serves
Toobit
Toobit suspended trading for U.S. users effective August 1, 2024 and asked them to withdraw by the end of that month; the United States is not on its supported-countries list and there is no separate U.S. entity.
Anytime
Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification
Toobit
Basic accounts can deposit and trade with limits; ID and selfie verification lifts withdrawal caps and is required to unlock bonuses and fiat features.
Anytime
Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card
Toobit
No FDIC-insured cash account
Anytime
FDIC-insured cash account with a free virtual debit card
Large orders
Toobit
VIP tiers by 30-day volume; no OTC desk for U.S. customers because the platform is closed to them
Anytime
Dedicated OTC desk with a named contact
Custody of your coins
Toobit
Held in your account until you withdraw
Anytime
Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation
Toobit
Toobit describes itself as registered with FinCEN as a money services business and holding a VASP registration in Poland; neither is a license to serve U.S. retail customers, and it holds no state money transmitter licenses that we could verify.
Anytime
U.S.-based, FinCEN-registered money services business
Way to escalate a problem
Toobit
Live chat replies quickly on routine questions, but customers with a restricted account describe being told to accept a profit reversal to unlock it, with nobody senior to call.
Anytime
Phone, email, or in person at the Atlanta branch

Ways to pay

9 ways to pay here. 0 at Toobit.

Toobit 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.

MethodToobitAnytime 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 Toobit 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 Toobit 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