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.

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.

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.

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

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

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